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Jeep Wrangler Insurance [Rates + Comparison Guide]

Average Jeep Wrangler insurance rates cost $105 per month ($1,256 per year). Comprehensive, collision, and liability insurance cost around $306, $447, and $354, respectively.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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Key takeaways:

  • Full coverage costs around $1,256 a year or $105 each month
  • A liability-only policy costs around $503 a year or $42 each month
  • Highest rates are for teenage drivers at around $4,591 a year or $383 each month
  • Good drivers can save as much as $518 a year by earning policy discounts
  • Jeep Wrangler insurance costs around $263 less per year than the average vehicle

Jeep Wrangler insurance rates average $263 less per year than the average vehicle in the country. Full coverage is around $1,256 a year or $105 a month, and older vehicles may be able to get liability-only coverage for $503 a year or $42 a month.

Good drivers may be eligible for up to $518 a year in discounts for remaining safe and courteous on the road. Let’s take a look at Jeep Wrangler insurance rates, safety ratings, and more.

You can start comparing quotes for Jeep Wrangler car insurance rates from some of the best car insurance companies by using our free online tool now.

Jeep Wrangler Insurance Cost

The average Jeep Wrangler car insurance rates are $1,256 a year or $105 a month.

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Are Jeep Wranglers Expensive to Insure?

The chart below details how Jeep Wrangler insurance rates compare to other SUVs like the Acura RDX, Toyota 4Runner, and Lincoln Navigator.

Vehicle Comprehensive Collision Liability Total
Jeep Wrangler $280 $376 $420 $1,256
Acura RDX $308 $532 $316 $1,292
Toyota 4Runner $332 $512 $332 $1,312
Lincoln Navigator $356 $686 $398 $1,598
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
Volkswagen Touareg $372 $690 $390 $1,610
Cadillac Escalade $458 $780 $466 $1,904

However, there are a few things you can do to find the cheapest Jeep insurance rates online.

What Impacts the Cost of Jeep Wrangler Insurance?

The Jeep Wrangler trim and model you choose will affect the total price you will pay for Jeep Wrangler insurance coverage.

Age of the Vehicle

The average Jeep Wrangler auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Jeep Wrangler cost $1,256, while 2010 Jeep Wrangler rates are $1,102, a difference of $154.

Model Year Comprehensive Collision Liability Total
2020 Jeep Wrangler $280 $376 $420 $1,256
2019 Jeep Wrangler $268 $362 $440 $1,250
2018 Jeep Wrangler $256 $358 $450 $1,244
2017 Jeep Wrangler $248 $350 $470 $1,248
2016 Jeep Wrangler $240 $336 $486 $1,242
2015 Jeep Wrangler $226 $324 $500 $1,230
2014 Jeep Wrangler $218 $300 $510 $1,208
2013 Jeep Wrangler $208 $282 $514 $1,184
2012 Jeep Wrangler $200 $254 $520 $1,154
2011 Jeep Wrangler $188 $234 $520 $1,122
2010 Jeep Wrangler $180 $218 $524 $1,102

Driver Age

Driver age can have a significant impact on Jeep Wrangler auto insurance rates. As an example, a 40-year-old driver could pay $133 less each month for their Jeep Wrangler auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Jeep Wrangler insurance rates. For example, drivers in New York may pay $766 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Jeep Wrangler auto insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Wrangler auto insurance rates with violations on their driving record.

Jeep Wrangler Safety Ratings

Your Jeep Wrangler auto insurance rates are influenced by the Jeep Wrangler’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Jeep Wrangler Crash Test Ratings

Jeep Wrangler crash test ratings will affect your Jeep Wrangler car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Jeep Wrangler Unlimited SUV 4WD N/R 4 stars N/R 3 stars
2020 Jeep Wrangler Unlimited DIESEL SUV 4WD N/R N/R N/R 3 stars
2020 Jeep Wrangler SUV 4WD N/R 4 stars N/R 3 stars
2019 Jeep Wrangler Unlimited 4 DR 4WD N/R 4 stars N/R 3 stars
2019 Jeep Wrangler 2 DR 4WD N/R N/R N/R N/R
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early release N/R 3 stars N/R 3 stars
2018 Jeep Wrangler Unlimited 4 DR 4WD Later Release N/R N/R N/R 3 stars
2018 Jeep Wrangler JK 2 DR 4WD Early release N/R N/R N/R 3 stars
2018 Jeep Wrangler 2 DR 4WD Later Release N/R N/R N/R 3 stars
2017 Jeep Wrangler Unlimited 4 DR 4WD N/R 3 stars N/R 3 stars
2017 Jeep Wrangler 2 DR 4WD N/R N/R N/R 3 stars
2016 Jeep Wrangler 4DR 4WD N/R N/R N/R 3 stars
2016 Jeep Wrangler 2DR 4WD N/R N/R N/R 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Jeep Wrangler Safety Features

The more safety features you have on your Jeep Wrangler, the more likely it is that you can earn a discount. The Jeep Wrangler’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Rollover Protection System
  • Front Tow Hooks
  • Traction Control

Jeep Wrangler Insurance Loss Probability

The lower percentage means lower Jeep Wrangler car insurance rates; higher percentages mean higher Jeep Wrangler auto insurance rates. Insurance loss probability on the Jeep Wrangler fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -46%
Property Damage 34%
Comprehensive -29%
Personal Injury -43%
Medical Payment -48%
Bodily Injury 2%
Source: Insurance Institute for Highway Safety

Jeep Wrangler Finance and Insurance Cost

If you are financing a Jeep Wrangler, you will pay more if you purchase Jeep Wrangler car insurance at the dealership, so be sure to shop around and compare Jeep Wrangler car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Jeep Wrangler Insurance

Save more on your Jeep Wrangler car insurance rates. Take a look at the following five strategies that will get you the best Jeep Wrangler auto insurance rates possible.

  • Wait Six Years for Accidents to Disappear from Your Record
  • Remove Young Drivers from Your Jeep Wrangler Insurance When They Move Out or Go to School
  • Ask About Jeep Wrangler Discounts If You Were Listed on Someone Else’s Policy
  • Understand the Different Types of Auto Insurance for Your Jeep Wrangler
  • Consider Jeep Wrangler Insurance Costs Before Buying a Jeep Wrangler

Top Jeep Wrangler Insurance Companies

Who is the top car insurance company for Jeep Wrangler insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jeep Wrangler auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jeep Wrangler offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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