Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 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

Finding cheap Jeep Wrangler insurance rates doesn’t need to make you tear your hair out. Good drivers can save as much as $518 a year by earning policy discounts. Our guide will help you learn how to save on Jeep Wrangler insurance rates, as we cover the essential factors that determine your Jeep Wrangler insurance rates.

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 Mercedes-Benz GLE 350, Volkswagen Atlas, and Subaru Forester.

Vehicle Comprehensive Collision Liability Total
Jeep Wrangler $280 $376 $420 $1,256
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Volkswagen Atlas $358 $690 $390 $1,596
Subaru Forester $346 $512 $332 $1,326
Jeep Cherokee $348 $626 $466 $1,640
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Mitsubishi Outlander $306 $542 $332 $1,316
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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

The average Jeep Wrangler car insurance rates are higher for newer models. 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 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 Jacksonville may pay $753 a year more than drivers in Indianapolis.

Your Driving Record

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

Jeep Wrangler Safety Ratings

Your Jeep Wrangler car insurance rates are influenced by the safety ratings of the Jeep Wrangler. 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

Poor Jeep Wrangler crash test ratings could mean higher 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
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Jeep Wrangler Safety Features

The Jeep Wrangler safety features can help lower insurance costs. The 2020 Jeep Wrangler has the following safety features:

  • 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
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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.

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Ways to Save on Jeep Wrangler Insurance

There are many ways that you can save on Jeep Wrangler car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Jeep Wrangler car insurance rates low.

  • Ask About Welcome Discounts
  • Compare Jeep Wrangler Quotes Online
  • Ask About Student Discounts
  • Audit Your Jeep Wrangler Driving When You Move to a New Location or Start a New Job
  • Install an Aftermarket Anti-Theft Device for Your 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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Compare Free Jeep Wrangler Insurance Quotes Online

Start comparing Jeep Wrangler car insurance quotes for free by using our convenient online comparison tool.