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Car insurance for Jeep Wranglers in 2023
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Car insurance isn't cheap, whether you’re insuring a sedan, an electric car or a utility vehicle like a Jeep Wrangler. The average cost of car insurance nationwide is $1,771 per year for full coverage and $545 per year for minimum coverage. With an average price tag of $1,364 per year for full coverage car insurance, the average Jeep Wrangler driver pays slightly less than the national average for car insurance.
It’s important to understand, however, that you may pay more or less than the average based on a range of factors, like your age (in most states), credit rating (in most states) and driving history, as well as details about your vehicle. Car insurance companies also calculate rates differently, which means that rates can also vary significantly from one company to the next. That said, the average cost information can help illustrate what your costs may be when buying car insurance for a Jeep Wrangler. 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 $1,771 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 states per make/model: According to the Insurance Institute for Highway Safety, the 2019 Jeep Wrangler earned an overall rating of M for "marginal" on its safety evaluation score. Marginal ratings fall behind “acceptable” and “good” ratings.
- 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.
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
Almost every state has minimum liability requirements for drivers that must be adhered to in order to drive legally. Liability insurance, which is what minimum liability car insurance includes, is what pays for damages to the other driver's car and medical costs to them or their passengers if you cause an at-fault accident. However, there are other types of car insurance that are not mandatory but may also be worth considering. In order to protect your own car, you would need to add collision and comprehensive insurance to your policy. Liability plus collision and comprehensive is considered full coverage car insurance. Other types of car insurance that can provide additional protection include uninsured/underinsured motorist coverage, personal injury protection, which is mandatory in some states, and gap coverage, which pays the difference between what you owe on your car and what its value is if totaled or stolen. Many insurers offer a range of optional coverage types that allow you to build a policy that meets your own needs and fits your budget.
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.