How much is insurance for a Jeep Wrangler?

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

One deciding factor in the cost for insurance is the make and model of the car you drive. The cost of the car and repairs, how likely it is to be stolen, the size of the engine and the safety features of the vehicle all make a difference in the insurance premium.

How much does having a Jeep Wrangler influence your car insurance rate?

If you drive a Jeep Wrangler or are thinking about purchasing one, you’ll be happy to know the average cost of car insurance for this particular make and model is $1,442. That is $296 cheaper than the average cost of car insurance, which is $1,738.

How safe and secure your vehicle is makes a difference in the premium for auto insurance. The Jeep Wrangler comes equipped with many safety features to drive down the cost of insurance, making it an attractive option for car shoppers:

  • Adaptive cruise control
  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Automatic daytime running lights
  • Back up camera
  • Blind spot monitoring
  • Electronic stability control
  • Forward collision warning
  • Rear park assist system
  • SOS button on overhead console for quick access to emergency services

These features sometimes provide discounts on auto insurance, which vary by company. Types of safety discounts include anti-lock brakes, anti-theft, passive restraint for airbags and seatbelts and emergency roadside assistance for the SOS button.

How much is insurance for a Jeep Wrangler?

Like most cars, the Jeep Wrangler comes in different models and trim options, which can change the price for auto insurance. If you buy without a loan, you have more options when choosing coverage. If you get a loan or lease the Wrangler, it’s best to pay the extra premium for full coverage.

The table below shows the average annual liability-only premium and rates for full coverage.

Average annual minimum premium Average annual full coverage premium
$517 $1,358

Just like rates for models differ, so do rates for each company providing car insurance. When purchasing a new car or shopping to switch insurance companies, you’ll find rates can vary widely for the same car model and coverage, even in the same state.

In the chart below, you can see the premium differences per auto insurance company for liability-only and full coverage.

Avg min premium Avg full premium
Allstate $622 $1,839
American Family $659 $1,418
Amica $416 $915
Auto-Owners $341 $1,035
Chubb $530 $1,201
Erie $361 $1,124
Farm Bureau $373 $765
Farmers $631 $1,581
Geico $373 $1,125
Mercury $464 $1,250
MetLife $767 $1,611
Nationwide $565 $1,237
Progressive $462 $1,143
State Farm $480 $1,283
The Hartford $681 $2,211
Travelers $537 $1,222
USAA $365 $1,094

What factors influence your car insurance other than your car?

To determine the cost of car insurance, many factors go into the premium amount, not just the make and model of the vehicle. Other than your car, here are other considerations used:

  • Your age
  • Your gender
  • Your marital status
  • Where you live
  • Your driving record
  • Household driving records
  • How often you drive
  • Your credit (not in all states)
  • Coverage choices
  • Available discounts

Because these will affect your rate and because each insurance provider evaluates things differently, the average cost of insurance on vehicle type and the rates you receive will be different.
How can you save money on Jeep Wrangler car insurance?

Here are a few ways you can save money on your auto insurance when insuring a Jeep Wrangler:

  • Be a cautious driver: Jeep Wrangler drivers with the cleanest driving records will save the most money over drivers with accidents and tickets on their records.
  • Get quotes before you buy: Before you purchase a car, find the model you’re looking for and get quotes to see which company and features offer the best value.
  • Trim packages: Different trim packages can change the value of the Wrangler, which can affect insurance premiums. Additional safety features will save you money, while packages that only increase the value could increase insurance costs.
  • Ask about discounts: Some discounts, like safety features, are automatically discounted when the VIN of the vehicle is entered. But other discounts, like good student or professional affiliations, are not.
  • Fuel type: Generally speaking, gas powered vehicles are cheaper to insure than diesel or electric, though some companies offer discounts for electric or hybrid vehicles.
  • Coverage: Full coverage is more expensive, but it provides more financial protection if the Wrangler is in an accident. Get quotes to find the insurance company offering the best coverage for the cheapest price.

FAQ

Why is insurance less for a Jeep Wrangler?

The model and trim package, safety features and type of vehicle (compact SUV) all factor into why the Jeep Wrangler is less expensive to insure on average. Some model years also have higher insurance premiums, so getting a quote for insurance before you buy is a smart decision.

Why do some cars cost more to insure than others?

Insurance companies are all about risk. Crash test ratings, safety features, engine size, horsepower, all factor into base insurance premiums for each type of car. This is why high-performance sports cars tend to be more expensive to insure than other makes and models.

How do I know which year, model and trim package to choose for a Jeep Wrangler?

Research safety features and crash test ratings to determine which is the safest. Choose a few years, models and trim package options to get quotes to help you decide which is the best value for auto insurance coverage. Some people only consider the cost of the car payment into their budget and don’t factor in the cost of insurance until after they purchase the vehicle, which can make your Wrangler of choice unaffordable.

Should I get full coverage or liability only?

If you finance or lease the Wrangler, you’ll want full coverage. If you own the Jeep, you can choose which level of coverage to get. Full coverage is more expensive, but if you can’t afford to fix or replace it out of pocket, the extra cost is worth it.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.