Compare Rates for Jeep Wrangler Car Insurance Cost for 2022

Protecting your investment is as simple as choosing the right insurance for Jeep Wrangler. You have many options when it comes to insuring your Wrangler. Knowing the differences between the coverage types can help you make a decision.

The Wrangler has set the standard for off-road performance. But what about insurance? We compare insurance rates for the Sport to Rubicon 392 in order to determine how it compares to the rest. We surveyed auto quotes for seven years of Jeep Wrangler models and found that the average cost of Jeep Wrangler insurance was $1617 per annum. Geico had the lowest annual rate for Wrangler owners, at $1,393. Geico’s offer was 14% less than the average quote from all of the companies we surveyed.

• Jeep Wrangler Insurance costs about $1,706 per year, $853 per 6-month policy, or $142/month.
• Wrangler Sport 4WD drivers can get the lowest insurance rates at $1,294/year.
• The Wrangler Rubicon392 has the highest rates at $1890/year.
• The Wrangler is #40 in the small SUV Class for insurance affordability.

How much does Jeep Wrangler Insurance cost?

Jeep Wrangler car coverage costs $1,706 annually or $142 per monthly. A Jeep Wrangler insurance policy will cost you approximately $349 more per year than comparable vehicles and $183 less annually than the national all-vehicle average of $1,523.

This chart shows how Jeep Wrangler car insurer rates change with driver age and policy limits.

The above chart shows only a fraction of the possible Jeep Wrangler Insurance rates. The chart would have around 1,451,520,000,000 bar if it included all Wrangler models and all 41,000+ zip codes in the U.S. It’s possible that this would break the internet, so we will keep the bar at 15 bars.

To help you understand the huge range of Wrangler insurance prices, consider that a policy with liability coverage only in Virginia and Wisconsin might cost $245 per annum, while full coverage could cost $34,458 for a newly licensed teen driver who has committed a few driving violations in some ZIP codes in Detroit, MI.

The following table displays the average insurance costs for Jeep Wranglers for the model years 2013-2021.

The following are key data points regarding Jeep Wrangler car coverage:

• It is a good idea to get your insurance rates lower than the average for older drivers. A Jeep Wrangler insurance rate difference between a 60-year old driver ($1,532/year) and a 30-year-old driver ($1,778/year) is $246. This represents a 13.8% savings.
• Drive safely and you’ll save on insurance.
• Improve credit score to save money. If a state has insurance regulations that permit a driver’s credit information as a rate-generating factor, then insureds with 800+ credit scores can potentially save up to $268 each year compared to those with 670-739 credit scores. Poor credit scores could lead to higher annual costs of up to $310
• You can get a discount for your occupation. Nearly all auto insurance companies offer policy discounts to those who work in law enforcement, military, medical, and scientific fields. You may qualify for an occupational discount that could save you $51 to $151 per year depending on your age.
• Be a safe driver and obey the law to obtain lower insurance rates. Insurance costs can rise by as much as $464 per annum if you are convicted of minor traffic violations. DWI or driving without insurance can result in higher rates.
• Insuring less can be done by raising your deductibles. For a 40-year old driver, an increase of $500 to $1,000 in physical damage coverage could mean a $228 annual savings, and for a 20-year-old driver, a $452 annual savings.
• Decreasing your deductibles is more expensive. It could cost you $238 per annum for a 40-year-old driver, and $478 per annum for a 20-year old driver.
• You may qualify for policy discounts to lower the cost of auto insurance.

Average Jeep Wrangler insurance rates in large US Cities

Insurance costs for a Jeep Wrangler vary widely. There are lower premiums such as $1,242 a Year in Columbus OH or $1,010 a Year in Raleigh NC to higher rates such as $3,266 a Year in Miami FL and $2,808 a Year in Philadelphia, PA.

Other cities that offer Jeep Wrangler insurance include Dallas (TX), at $1,782 annually, Tulsa (OK) at an estimated $21,130, Nashville (TN), at an average of $1,694, and Fresno(CA) at an approximate $1,990.

Below is a chart that ranks the average car insurance premiums of a 2021 Jeep Wrangler in America’s largest cities. The costs for a 2021 Jeep Wrangler in Columbus, OH range from $1,242 to $3,190 per year for car coverage in NYC. This is a difference of $1.948.

Average Jeep Wrangler insurance rates by U.S. state

Average Jeep Wrangler prices from each state are as follows: Maine ($1,080), Virginia (1,102), and Idaho ($1,140) have lower insurance costs than states like New York ($1,894) and Louisiana ($2,524). While states such as Michigan ($3,062) and New York ($1,894) have high car insurance rates.

The average Jeep Wrangler Insurance rate in the majority of states is closer to average. States like Wyoming, Minnesota, and New Jersey are included in this group, with average Jeep Wrangler Insurance Rates of $1,522, 1,516, and 1,658 per annum, respectively.

Jeep Wrangler insurance: liability vs Full coverage

The following rates are the average Jeep Wrangler driver’s car insurance. Other variables can affect car insurance costs.

In many states, credit scores and gender can have an impact on your car insurance rate. In most states, your age is also a significant factor in determining car insurance rates.

Your car insurance rates will rise in your teens and then decrease with age. Usually, you reach 70 at which time your car insurance rates begin to increase.

While state minimum liability insurance may be cheaper than full coverage auto insurance, most insurance professionals recommend that you purchase as much liability insurance as possible.

If you are involved in an accident that results in injuries or property damage, liability insurance will provide financial protection.

Full coverage is required if the vehicle is leased or financed. However, it’s worth looking into as a way to protect your vehicle from financial loss or damages in an incident covered.

Your vehicle’s damages in an accident are not covered by liability insurance. You may want to consider buying gap coverage if your Jeep Wrangler has just been purchased.

This will cover the difference between the vehicle’s damage and the amount you owe in case your vehicle is stolen or totaled. The Jeep Wrangler is like most cars. There are many models and trim options. This can affect the cost of auto insurance.

Which Jeep Wrangler insurance rates are the cheapest?

Jeep Wrangler car coverage costs average between $1,294 and $1,890 per year. The Sport 4WD is the cheapest model to insure. Rubicon 4WD, which costs $1,478 annually, is the second most affordable trim level.

For full coverage, budget at a minimum of $108 per month for Jeep Wrangler insurance. According to the trim level, the average Jeep Wrangler Insurance cost per month is between $108 and $158.

The Jeep Wrangler models with the highest insurance rates are the Rubicon392 at $1.890 and Unlimited Rubicon Sky One-Touch Power Top at $1.830 per year. These models will run you an additional $596 per year and $536 per year, respectively, than the Sport 4WD model.

In most cases, insurance coverage is more expensive as vehicle costs rise and add-on package options are added. This generality is pretty consistent with Wrangler, with the most expensive models being the most costly to insure.

The following table shows the average insurance rates applicable to trim levels and other options for the 2022 Jeep Wrangler. These rates can be used for either annual or semi-annual policies.

What is the Jeep Wrangler insurance comparison?

The Jeep Wrangler is ranked #40 among 41 vehicles in the 2021 small SUV category. Insurance costs for the Wrangler average $1,706 annually. The average category average is $13,357 annually. This is a difference of $349.

Compared to the most popular small SUV models, the Jeep Wrangler insurance costs $270 more annually than the Toyota RAV4, costs $500 more than Honda CR-V, and $424 more than the Chevrolet Equinox. It is also $372 more expensive than the Nissan Rogue.

Although the Wrangler may not be an exact apples-to-apples comparison with some of these smaller grocery-getter SUVs it is still included in the group for comparison purposes.

Below is a chart showing how Wrangler’s insurance rates compare with the other 10 top-selling small SUVs in the 2021 model year. You can also see a larger table that breaks down the insurance rates for each vehicle in the small SUV category.

Jeep Wrangler insurance cost comparison table compared to all small SUVs

Factors that Impact Jeep Wrangler Insurance Rates

Insurance rates for Jeep Wranglers are determined by a number of factors. These factors include:

• The location of your Jeep Wrangler and where it is stored will also impact insurance rates. Drivers living in larger cities pay slightly more annually than those who live in smaller towns.
• Vehicle age: Newer Jeep Wrangler model vehicles are typically more expensive to insure due to the higher cost of replacing the vehicle. A 2020 Jeep Wrangler insurance policy costs $1256 per year, which is $1102 more than a 2010 model.
• Safety ratings and features: Insurance rates are affected by safety features available as well the vehicle’s safety ratings. Jeep Wranglers with high safety ratings and crash test ratings will cost slightly less to insure.
• Driver age: Younger drivers have higher insurance rates as they are considered to be more at risk. On average, a 20-year-old driver could pay $128 more annually than a 30-year old driver.
• Driving record Insurers will notice a significant difference in their rates if the insured driver has a poor driving record. Higher insurance rates will be charged to drivers with traffic violations, DUIs, and previous accidents.
• Trim Level: Your Jeep Wrangler’s specific trim level can have an impact on your insurance rates. Insurance rates can be up to 14 percent higher for sport trim levels that have two doors.
• Type of insurance you purchased: Your insurance rates will also depend on the insurance coverage that you choose. Some drivers might choose no-fault insurance while others may opt for full coverage. You should also examine your state’s laws to see what each type of insurance covers. Many states have minimum requirements regarding the amount of insurance that you need.

You can compare rates from several insurance providers to find the best deal. The Drive says that Wrangler’s base insurance premium is determined from similar vehicle costs and the average driving record and age of other Wrangler drivers.

Top insurance providers for Jeep Wranglers

It is important to choose the right insurance when protecting yourself and your Jeep Wrangler. It’s helpful to look at the choices of other Jeep Wrangler drivers when choosing their insurance provider. Here are some of the most popular insurance providers among Jeep Wrangler owners:

• Liberty Mutual
• GEICO
• Nationwide
• Progressive
• Chubb
• Allstate
• USAA
• State Farm
• Travelers
• Farmers

Some of the best insurance companies for Jeep Wranglers are State Farm, Allstate, Esurance, and Liberty Mutual.

Model Year is the best way to find the lowest insurance rates

Older Jeep Wranglers can be more affordable to insure. Rates can also decrease each year. Liberty Mutual, GEICO offers the best Jeep Wrangler insurance rates.

• The 2021 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $375 from Liberty Mutual
• The 2020 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $370 from Liberty Mutual
• The 2019 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $253 from Liberty Mutual
• The 2018 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $587 from Geico
• The 2017 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $441 from Geico
• The 2016 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $567 from Geico
• The 2015 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $570 from Geico
• The 2014 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $587 from Geico
• The 2013 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $447 from Geico
• The 2012 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $442 from Geico
• The 2011 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $439 from Geico
• The 2010 Jeep Wrangler has the lowest average annual rate for Liability coverage is about $383 from State Farm

It is important that you consider other factors when selecting the best insurance provider.

• The average insurance rate for a 2010 Jeep Wrangler is $1094 per year with full coverage.
• The average insurance rate for a 2011 Jeep Wrangler is $1102 per year with full coverage.
• The average insurance rate for a 2012 Jeep Wrangler is $1122 per year for full-coverage insurance.
• The average insurance rate for a 2013 Jeep Wrangler is $1154 per year with full coverage.
• The average insurance rate for a 2014 Jeep Wrangler is $1184 per year with full coverage.
• The average insurance rate for a 2015 Jeep Wrangler is $1,397 per year with full coverage.
• The average insurance rate for a 2016 Jeep Wrangler is $1454 per year with full coverage.
• The average insurance rate for a 2017 Jeep Wrangler is $1242 per year for full-coverage insurance.
• The average insurance rate for a 2018 Jeep Wrangler is $1564 per year for full-coverage insurance.
• The average insurance rate for a 2019 Jeep Wrangler is $1588 per year for full-coverage insurance.
• The average insurance rate for a 2020 Jeep Wrangler is $1652 per year for full-coverage insurance.
• The average insurance rate for a 2021 Jeep Wrangler is $1706 per year for full-coverage insurance.

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