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The national average cost of full coverage car insurance is $1,674 per year, according to Bankrate’s study of quoted annual premiums. However, your actual insurance cost will vary based on diverse factors. Personal characteristics such as your driving record, city and your car’s make and model can all affect your insurance premium. Jeep Wrangler drivers pay an average insurance cost of $1,364 for full coverage annually.
The rates in this article are based on a 2019 Jeep Wrangler.
How much does it cost to insure a Jeep Wrangler?
The average cost of full coverage car insurance in the U.S. is $1,674 per year according to the most up-to-date rates from Quadrant Information Services. In addition to other factors, your vehicle’s make and model affects your insurance cost. Why? Different vehicle makes and models present different levels of risk for the insurance company. Different models demonstrate differing accident statistics, have different safety features and cost different amounts to repair. The following factors partially account for car insurance premium differences among different makes and models:
- Crash rate stats per make/model: The 2019 Jeep Wrangler received an overall safety evaluation score of M for “marginal” from the Insurance Institute for Highway Safety (IIHS). Marginal ratings come in behind ratings of “acceptable” and “good.”
- Price of parts: Domestic vehicles like Jeep Wranglers tend to have cheaper parts and therefore, are generally cheaper to repair. Insurance costs are typically lower for domestic vehicles to reflect these lower-cost repairs.
- Safety features: The Jeep Wrangler comes equipped with safety features such as adaptive cruise control, anti-lock brakes, anti-theft devices, automatic daytime running lights, electronic stability control and forward collision warning.
Car insurance for a Jeep Wrangler: by model
Auto insurance for Jeep Wrangler drivers will vary in price based on several personal characteristics. However, the average Jeep Wrangler insurance rates for minimum coverage and full coverage below may be helpful for the sake of comparison.
Car insurance for Jeep Wrangler
While the following car insurance rates reflect the average cost for Jeep Wrangler drivers, other variables affect car insurance costs. For instance, in many states, your credit score and gender can affect your car insurance rate. Age is also a major determinant of car insurance rates in most states. Typically, your car insurance rates are the highest in your teen years and steadily decrease as you age until around the age of 70, at which point your car insurance rates typically begin to increase again.
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Cheapest car insurance companies for Jeep Wranglers
Of the best car insurance providers available, the following five providers offer competitive car insurance for Jeep Wrangler drivers. The insurance carriers highlighted below make up some of the most popular car insurance companies by market share, making them a useful point of comparison for drivers beginning their insurance search. While these rates can be used as a starting point, remember that car insurance rates are personalized and will vary based on several characteristics.
Average annual premium for full coverage by model
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Jeep Wrangler features that impact insurance costs
The cost of auto insurance for Jeep Wrangler drivers is partially based on safety features that commonly accompany this vehicle. Certain safety features can lessen the risk of collisions and as a result, may reduce car insurance premiums. Safety features common with the Jeep Wrangler include:
- Anti-theft device: Anti-theft devices may include a GPS system, a car alarm or a starter disabler that make it increasingly difficult to steal a vehicle.
- Automatic daytime running lights: 2019 Jeep Wranglers are equipped with daytime running lights that turn on automatically, eliminating the need for Wrangler drivers to flick on their headlights manually.
- Back up camera: In combination with rear automatic braking, back up cameras decrease the occurrence of reverse crashes by nearly 80%, according to CBS News.
- Blind spot monitoring: IIHS reports that blind spot monitoring technology can decrease accidents during a lane change by 14%.
- Electronic stability control: Electronic stability control, a technology that reduces the possibility of skidding, reduces fatal crash involvements by around 36%, according to a report from the National Highway Traffic Safety Administration.
- Forward collision warning: Forward collision warning uses radar and cameras to detect objects in front of a vehicle and notify a driver before a collision through sound or tactile signals.
- Rear park assist system: Rear park assist uses sensors to scan for parking spaces. Then, the vehicle will automatically steer into the spot while the driver reverses into it.
- Adaptive cruise control: Adaptive cruise control allows the driver to maintain a preset following distance with the vehicle ahead of them by using radar and cameras paired with automatic braking and acceleration.
- Anti-lock brakes: Anti-lock brakes are designed to prevent skidding by stopping your wheels from locking. Anti-lock brakes “pump” your vehicle’s brakes by releasing and reapplying the braking feature automatically.
Other car insurance coverage for a Jeep Wrangler
Although state minimum liability insurance is cheaper than full coverage car insurance, most insurance experts recommend purchasing as much liability insurance as you can. Liability insurance provides financial protection if you cause an accident with injuries and property damage to another party.
Full coverage may be required if you lease or finance the vehicle, but is also worth considering as a means of financial protection for damages or loss of your vehicle in a covered incident. Liability insurance does not cover any damages your vehicle may experience in a covered accident. If your Jeep Wrangler is new, you may even consider purchasing gap coverage to cover the difference between your vehicle’s damages and what you owe in the event your vehicle is totaled or stolen. Like most cars, the Jeep Wrangler comes in different models and trim options, which can vary the price for auto insurance from the averages in this study.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Jeep Wrangler, commute five days a week and drive 12,000 miles annually:
These are sample rates and should only be used for comparative purposes.