Jeep Wrangler Insurance Cost Estimate [Comprehensive Guide]

Car insurance rates for a Jeep Wrangler average $1,256 a year, or around $105 a month. Finding Jeep Wrangler teenager insurance rates can cost on average $4,591 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 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

On average, Jeep Wrangler car insurance rates cost $1,256 a year or $105 each month, but that can be reduced to $503 a year with a liability-only policy. Good drivers can save as much as $518 a year on Jeep Wrangler insurance rates with policy discounts. Keep reading to learn all about Jeep Wrangler rates so you can confidently compare offers from different insurance companies.

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 auto insurance rates for a Jeep Wrangler cost $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 Jeep Grand Cherokee, GMC Acadia, and Lexus RX 350.

Vehicle Comprehensive Collision Liability Total
Jeep Wrangler $280 $376 $420 $1,256
Jeep Grand Cherokee $322 $562 $372 $1,414
GMC Acadia $294 $470 $372 $1,294
Lexus RX 350 $358 $660 $440 $1,638
GMC Yukon XL $362 $562 $372 $1,454
Dodge Journey $322 $532 $372 $1,384
GMC Yukon $376 $594 $372 $1,500
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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?

Even though the average annual rate for the Jeep Wrangler is $1,256, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Jeep Wrangler.

Age of the Vehicle

Older Jeep Wrangler models generally cost less to insure. For example, car insurance for a 2020 Jeep Wrangler costs $1,256, while 2010 Jeep Wrangler insurance costs 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
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Driver Age

Driver age can have a significant effect on Jeep Wrangler car insurance rates. For example, 20-year-old drivers pay $1,536 more for their Jeep Wrangler car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Jeep Wrangler insurance rates. For example, drivers in Houston may pay $926 a year more than drivers in Columbus.

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 sees the highest jump in their Jeep Wrangler car insurance with violations on their driving record.

Jeep Wrangler Safety Ratings

Your Jeep Wrangler auto insurance rates are tied to 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
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Jeep Wrangler Crash Test Ratings

Not only do good Jeep Wrangler crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Jeep Wrangler auto 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
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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

Review the Jeep Wrangler car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Jeep Wrangler auto insurance costs; higher percentages mean higher Jeep Wrangler auto insurance costs.

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
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Jeep Wrangler Finance and Insurance Cost

If you are financing a Jeep Wrangler, most lenders will require your carry higher Jeep Wrangler coverages including comprehensive coverage, so be sure to compare Jeep Wrangler car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Jeep Wrangler Insurance

There are several ways you can save even more on your Jeep Wrangler car insurance rates. Take a look at the following five tips:

  • Use an Accurate Job Title When Requesting Jeep Wrangler Auto Insurance
  • Provide Your Jeep Wrangler VIN When Requesting Jeep Wrangler Auto Insurance Quotes
  • Ask for a Higher Deductible for Your Jeep Wrangler Insurance Policy
  • Drive Your Jeep Wrangler Safely
  • Talk to Your Credit Card Company to Save on Rental Car Costs

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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Compare Free Jeep Wrangler Insurance Quotes Online

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.

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Average Monthly Car Insurance Rates by State