Jeep Wrangler Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Jeep Wrangler as the average SUV.
• Full coverage for a Wrangler typically runs around $148 per month, while liability only car insurance premiums run about $80.
• AmericanAlliance offers the lowest average rates for a Wrangler with liability only coverage offered for sometimes as cheap as $35 a month.

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Wrangler Overview

Coming in with a base MSRP of $29,725 for new 2022 models, the Jeep Wrangler is a great SUV for all budgets. There are six different trim levels currently available, so there's a style for every driver.

We combed through thousands of insurance quotes on Compare.com, and we've found that Jeep Wrangler auto insurance rates are around $154 monthly, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Jeep Wrangler?

You can see in the table above that car insurance prices for a Jeep Wrangler are more affordable than average. Wrangler drivers can expect to pay about $148 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other models, the Wrangler is matches the other vehicle types offered by Jeep. But compared to other vehicles of a similar body style, Wrangler coverage is less expensive than average, with liability insurance rates averaging exactly the same rates, but full coverage insurance premiums coming in at $3 less than other SUVs.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, body style, or model they are.

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Who has the Cheapest Car Insurance for a Jeep Wrangler?

Searching for an auto insurance policy for your Jeep Wrangler? You might be most interested in which carrier offers the lowest premiums. Even though costs will normally be pretty different from driver to driver, the cheapest average rates for liability only insurance are as little as just $35 monthly from AmericanAlliance. With car insurance as cheap as $42 a month, Pronto is the next most affordable auto insurance company.

Finishing off the rest of the top 5 are Commonwealth Casualty, AnswerFinancial, and Shelter Mutual. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Jeep Wrangler.

Auto insurance carriers take a multitude of variables into consideration when calculating monthly rates. By analyzing quotes from a whole bunch of car insurance companies at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Jeep Wrangler?

There are quite a few attributes that insurance carriers look at to calculate how much they charge -- and every carrier uses a different method, so there's not a single company that's the most affordable for each Wrangler owner.

Keep reading to learn which factors auto insurance companies look at and how they affect your final rate:

Vehicle Age

Jeep has been making the Wrangler for quite some time -- and that means the car's age may play a role in how much you'll pay for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Wranglers begin to depreciate, insurance costs will gradually get lower.

As you can see in the table above, the Jeep Wrangler follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Wranglers that are 2 to 3 years old, on average.

Your Age

Age plays a big role in how much you pay for car insurance. Based on the information above, those with more experience on the road pay less for auto insurance than drivers who are under 18. Jeep Wrangler drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Wrangler drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women generally pay less for car insurance than men. When it comes to Wrangler drivers specifically, men pay around $2 more than women per month for insurance.

Where You Live

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live is equally important? Since car insurance is regulated on the state level and not nationally, premiums shift quite a bit from state to state.

For example, the average Jeep Wrangler driver from New York pays about $171 monthly for liability coverage. Meanwhile, the same Californian owner will pay less than 50% of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Jeep Wrangler Car Insurance Discounts

No matter your car, your age, or your home state, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments

These are just a few of the discounts insurance carriers offer, and sometimes, the best way to get great rates is to work on your overall insurance profile.

Of course, you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

You've no doubt heard ads from insurance companies posting large discounts for good drivers. It shouldn't come as a surprise that your car insurance premiums will get higher if you get a ticket for speeding or get into a collision. But exactly how much will these infractions cost you?

As you can see, accidents will usually cost Wrangler drivers less than tickets, but both will cause a significant increase in rates. Jeep Wrangler drivers with one ticket will pay an average of $99 a month, while drivers with a single accident on their record pay about $96 each month (up $16 from the $80/mo. overall average). The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Another variable that plays a role in your auto insurance rates is how much you drive annually. Those who drive less have fewer opportunities to get into an accident, so they'll usually get lower prices. In the table above, you can see that Jeep Wrangler owners who drive fewer than 2,500 miles a year pay about $77 per month for insurance, while those who put 10,000 miles or more on their cars pay $82.

If you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Jeep Wranglers Compare to Other Vehicles?

If you're considering buying a new SUV and a Jeep Wrangler is on your shortlist, it might be helpful to do your homework. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Jeep Wrangler compares:

As you can see, a Jeep Wrangler is a great value when it comes to overall price tag. The Wrangler comes in at $29,725, which is quite a bit lower than the national average vehicle price of $46,192.

Likewise, car insurance rates are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Jeep Wrangler is around $25 a month cheaper than average, while liability only coverage is over $30 cheaper a month.

When it comes to usage, Jeep Wrangler drivers are pretty close to the national average in annual miles driven, with 11,361 miles per year compared to 11,617 for all vehicles.

Jeep Wrangler Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays to insure a Jeep Wrangler. If you're thinking about buying a new vehicle and the Wrangler is one you're considering, knowing what you'll likely pay can be helpful as you consider your options.

Choose Your Model

2022 Jeep Wrangler Car Insurance 2021 Jeep Wrangler Car Insurance 2020 Jeep Wrangler Car Insurance 2019 Jeep Wrangler Car Insurance 2018 Jeep Wrangler Car Insurance 2017 Jeep Wrangler Car Insurance 2016 Jeep Wrangler Car Insurance 2015 Jeep Wrangler Car Insurance 2014 Jeep Wrangler Car Insurance 2013 Jeep Wrangler Car Insurance 2012 Jeep Wrangler Car Insurance 2011 Jeep Wrangler Car Insurance 2010 Jeep Wrangler Car Insurance

2022 Jeep Wrangler Car Insurance

When considering a brand new Jeep Wrangler, there's more to choose from than just color. A 2022 Jeep Wrangler starts at about $29,725 for the base model, with six different trim levels to pick from.

On average, it costs around $144 per month to buy full coverage insurance for a 2022 Jeep Wrangler and $51 monthly for a liability only policy. And if you want the lowest insurance possible, Mercury offers liability only policies for as low as just $51 a month.

While it helps to know the average price drivers pay to insure a 2022 Wrangler, a personalized quote is the only way to know exactly how much car insurance will cost you. Luckily, with Compare.com you can compare quotes from lots of carriers at once, all for free. To get started, simply enter your ZIP code below.

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2021 Jeep Wrangler Car Insurance

If you're looking to buy a 2021 Wrangler or already own one, you can expect an average auto insurance premium of about $93 for liability or $196 for full coverage.

And if you're just looking for the cheapest insurance for your Wrangler, Dairyland offers liability only policies for sometimes as low as $24 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2020 Jeep Wrangler Car Insurance

On average, drivers who own a 2020 Wrangler can expect to pay $78 to $175 per month for liability only and full coverage car insurance, respectively.

Mile Auto has prices as little as $23 a month for the 2020 Jeep Wrangler.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2019 Jeep Wrangler Car Insurance

2019 Jeep Wrangler drivers can expect to pay an average of $103 per month for liability or $176 for full coverage.

With rates as low as $27 monthly, Dairyland offered the most affordable policy we found for the 2019 Jeep Wrangler.

Want to find the lowest rates? Just enter your ZIP code below to get a variety of free customized quotes.

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2018 Jeep Wrangler Car Insurance

You can expect full coverage for a 2018 Wrangler to run around $161 a month, while liability only coverage will average about $91 per month.

Liberty Mutual offered the cheapest policy we found, with rates as cheap as just $16 monthly.

If you want to know exactly how much you can expect to pay for your Wrangler, just enter your ZIP code below and get several free quotes in minutes.

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2017 Jeep Wrangler Car Insurance

It costs around $86 a month for liability or $159 for a full coverage policy for the 2017 Jeep Wrangler.

We found Liberty Mutual offered the most affordable policy, with rates sometimes as little as $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Jeep Wrangler Car Insurance

The average cost to insure a 2016 Wrangler with liability only coverage is $83 per month, while full coverage runs about $149 monthly.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as cheap as $17 per month.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance companies.

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2015 Jeep Wrangler Car Insurance

You can expect full coverage for a 2015 Jeep Wrangler to run around $141 a month, while liability only coverage will average about $85 monthly.

If you're looking for the most affordable 2015 Jeep Wrangler insurance policy, Safeco offered the most affordable policy we found, with rates sometimes as little as $18 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2015 Jeep Wrangler, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Jeep Wrangler Car Insurance

The average cost to insure a 2014 Wrangler with liability only coverage is $80 per month, while full coverage runs around $137 monthly.

With premiums as little as just $19 per month, Elephant offered the cheapest policy we found.

Want something more accurate than national averages? Get several customized quotes for free by just entering your ZIP code below.

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2013 Jeep Wrangler Car Insurance

It costs about $82 a month for liability or $136 for a full coverage policy for the 2013 Jeep Wrangler.

We found Shelter Mutual offered the most affordable policy, with rates as low as just $24 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2012 Jeep Wrangler Car Insurance

On average, drivers who own a 2012 Wrangler can expect to pay $88 to $138 per month for liability only and full coverage insurance, respectively.

Clearcover has rates as cheap as $19 a month for the 2012 Jeep Wrangler.

If you want to find the best premiums for auto insurance for a 2012 Jeep Wrangler, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Jeep Wrangler Car Insurance

2011 Jeep Wrangler drivers can expect to pay an average of $78 monthly for liability or $129 for full coverage.

If you're looking for the lowest possible 2011 Jeep Wrangler insurance policy, MetLife offered the cheapest policy we found, with rates as low as $20 a month.

If you want to know exactly how much you can expect to pay for your Wrangler, just enter your ZIP code below and get free quotes in minutes.

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2010 Jeep Wrangler Car Insurance

It costs around $106 per month for liability or $165 for a full coverage policy for the 2010 Wrangler.

With prices as cheap as just $17 monthly, Clearcover offered the lowest policy we found.

Want to find the best rates? Just enter your ZIP code below to get multiple free personalized quotes.

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Jeep Wrangler Insurance FAQs

Is a Jeep Wrangler expensive to insure?

Liability insurance runs an average of $80 a month, while full coverage will cost you around $148. The cost of car insurance for the Jeep Wrangler is about on par with the average SUV.

How can I get the best price on car insurance for my Jeep Wrangler?

The only way to confirm you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a wide array of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jeep Wrangler affect my insurance prices?

You might have heard the old adage that red cars cost more to insure, but that's actually a myth. Although there are several factors auto insurance carriers think about when they offer premiums, the color of your Wrangler is not used to make that determination.

Do I need to have insurance before I buy a Jeep Wrangler?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) Jeep Wrangler off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but it's best to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Jeep Wrangler?

There are a ton of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Wrangler has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about which discounts they offer.