How Much Does It Cost to Insure a Jeep Wrangler?
Last Updated on November 23, 2022
Jeep Wrangler insurance premiums vary widely based on make, model, trim, and year. However, the average Jeep Wrangler driver in the United States pays around $1,911 per year for full coverage car insurance, according to our research.
You could pay as little as $1,250 per year for Jeep Wrangler car insurance. Or, you could pay over $3,000 per year to insure that same vehicle. It depends on your state, your driving record, and hundreds of other factors.
Keep reading to find out everything you need to know about the cost of insuring a Jeep Wrangler.
Table of Contents:
- Average Jeep Wrangler Insurance Cost
- Factors Impacting the Price of Jeep Wrangler Insurance
- What’s the Best Company for Jeep Wrangler Insurance?
- Why Are Jeep Wranglers More Expensive to Insure?
The Average Jeep Wrangler Driver Pays $1,911 for Auto Insurance
After comparing hundreds of quotes across multiple driver profiles, states, models, and trims, we found the average Jeep Wrangler driver in the United State pays around $1,911 per year for auto insurance.
Some Jeep Wrangler drivers pay significantly more for auto insurance. They might have a more expensive model, live in a more expensive state, or have a poor driving record, for example. A high-risk Jeep Wrangler driver living in Florida, for example, could pay over $3,000 per year for car insurance.
Other Jeep Wrangler drivers pay significantly less for car insurance. A Jeep Wrangler driver in Maine, for example, could pay less than $1,200 per year for full coverage insurance.
In comparison, the average driver in the United States pays around $1,405 per year for full coverage car insurance. The Jeep Wrangler is more expensive to insure than the average vehicle in the United States – which is expected because the Jeep Wrangler has a higher MSRP than the average vehicle.
Factors Impacting the Price of Jeep Wrangler Insurance
The average Jeep Wrangler driver pays $1,911 per year for car insurance. However, some Jeep Wrangler drivers pay significantly more or less than that amount.
Here are some of the biggest factors insurers consider when calculating Jeep Wrangler insurance:
Driving History: If you have a history of DUIs, at-fault accidents, driving citations, tickets, and other incidents, then you’ll pay more for car insurance than a driver with a clean record. Insurers check your driving record to calculate risk, and most insurers look at your previous 3 to 7 years of driving history to determine accurate insurance premiums.
Vehicle Make, Model, and Value: The more expensive your vehicle is, the more you’ll pay for car insurance. When an insurer agrees to cover your Jeep Wrangler, the insurer agrees to cover the full value of your vehicle minus depreciation. Depending on the age of your Jeep Wrangler, it could have a value anywhere from $5,000 to $50,000.
State Insurance Laws: Some states have low insurance requirements and lax regulation of insurance companies, leading to lower insurance premiums for drivers. Other states have strict insurance requirements, high limits, and strong regulations, which can increase premiums. Drivers in some states pay as little as $1,502 per year, on average, for full coverage Jeep Wrangler insurance, while drivers in other states pay over $3,219 per year, on average.
ZIP Code & Location-Specific Risks: Insurers need to know where you park your car every night. They use this information to calculate location-specific risk. Some ZIP codes have high rates of property crime, for example, while others have high traffic density and high accident rates. The riskier your area is for drivers, the more you’ll pay for Jeep Wrangler insurance.
Insurance Company & Discounts: Most of America’s largest insurers offer competitive prices on Jeep Wrangler insurance. All other things being equal, most insurers keep quotes within 20% to 40% of one another for Jeep Wrangler insurance (aside from USAA, which offers particularly affordable insurance premiums). You’ll also pay different rates for Jeep Wrangler insurance based on discount availability. Some insurers offer a range of discounts to lower premiums by as much as 50%, while others offer few discounts.
Credit Score: Drivers with poor credit scores pay significantly higher Jeep Wrangler insurance premiums than drivers with good credit scores. You could pay 50% to 100% higher premiums with a bad credit score, for example.
Age & Gender: Drivers in their 50s with decades of driving experience are the safest drivers to insure. Drivers in their teens with a few years of driving experience are the riskiest to insure. Insurers consider age and gender when calculating Jeep Wrangler premiums, which is why an 18-year-old could pay over $6,000 per year for Jeep Wrangler insurance while a 56-year-old could pay $1,600 per year to insure that same vehicle.
What’s the Best Company for Jeep Wrangler Insurance?
If you qualify for USAA membership, then USAA tends to offer the best Jeep Wrangler insurance. USAA has top ratings for customer service and claims satisfaction, along with competitive prices.
According to our research, the best insurance companies in the United States for Jeep Wrangler insurance include:
- State Farm
- Liberty Mutual
- American Family
The list above includes most of America’s top 10 largest insurance companies, which all tend to offer competitive premiums. However, some companies cater to specific demographics. By comparing quotes across multiple companies, you can ensure you’re paying the cheapest possible rates for Jeep Wrangler insurance.
Why Are Jeep Wranglers More Expensive to Insure?
Jeep Wranglers are more expensive to insure than the average vehicle in the United States. They tend to have a higher MSRP, leading to higher insurance premiums.
However, Jeep Wranglers are also cheaper to insure than other comparable vehicles. Some larger vehicles have much higher insurance premiums than the Jeep Wrangler, for example, because they’re more expensive to repair or have poor crash safety ratings.
Here are some of the specific factors impacting the price of Jeep Wrangler insurance:
Poor Crash Safety Rating: The Jeep Wrangler has an overall safety evaluation score of “M” or “Marginal” from the IIHS. That safety rating is worse than “Good” and “Acceptable,” indicating the Jeep Wrangler performs more poorly in an accident than competing models. Medical bills are some of the highest costs for insurers, and vehicles with poor safety ratings tend to have higher insurance premiums.
Cheaper Repair & Replacement Parts: The Jeep Wrangler is a domestic vehicle, and it tends to have cheaper repair and replacement costs than foreign-made cars in its class. This can make the Jeep Wrangler cheaper to repair and replace than other vehicles, which lowers insurance premiums.
Strong Safety Features: The Jeep Wrangler has poor crash safety ratings but strong safety features. The Jeep Wrangler has adaptive cruise control, anti-lock brakes, automatic daytime running lights, a backup camera, blind spot monitoring, a rear park assist system, forward collision warning, and electronic stability control, among other features.
Anti-Theft Devices: If you have full coverage insurance for your Jeep Wrangler, then your insurer must cover the value of your Jeep Wrangler after it is stolen. The Jeep Wrangler has multiple anti-theft devices to reduce the risk of theft and increase the chances of recovering the vehicle. Insurers often charge lower premiums on vehicles with anti-theft devices.
Trim, Model, and Year: You could pay cheap insurance premiums for your Jeep Wrangler – or expensive insurance premiums. It depends on all of the factors above along with the trim, model, and year of your Jeep Wrangler.
Final Word on Jeep Wrangler Insurance
It costs $1,911 per year to buy full coverage car insurance for a Jeep Wrangler, on average.
By comparing quotes online, taking advantage of discounts, and shopping around, you can ensure you’re paying the cheapest possible rates for your Jeep Wrangler car insurance.
Compare rates online today to find out how affordable your Jeep Wrangler insurance can be.