Finding the correct type of Jeep Wrangler car insurance is essential for purchasing a new vehicle because it can help you pay for the features and services you need while excluding the ones you don’t. If you’re searching for insurance for your Jeep Wrangler, you may benefit from learning about the factors that affect its cost and how to reduce your insurance rates.
Jeep Wrangler car insurance costs often vary based on a driver’s location, age, vehicle model year, and preferred policy coverage. Some insurance companies may also evaluate your education, marital status, and driving record. Read more about what affects insurance rates and how these rates vary per model year.
Average Jeep Wrangler Car Insurance Cost
You can expect to pay an average of $1,732 annually or $144 each month for car insurance for a Jeep Wrangler. The Wrangler tends to be one of the most expensive cars to insure compared to other vehicles in its class. You may pay $316 more each year than other similar small SUVs. Compare this to following list of annual insurance costs for Jeep Wranglers versus similar vehicles, according to Insuraviz:
- Chevrolet Equinox: $1,416
- Ford Escape: $1,490
- Honda CR-V: $1,326
- Jeep Wrangler: $1,732
- Mazda CX-5: $1,152
- Nissan Rogue: $1,482
- Subaru Crosstrek: $1,216
- Toyota RAV4: $1,430
What Affects Car Insurance Rates?
Many factors may determine how much you pay for car insurance for your Jeep Wrangler. Read below to learn more about these elements and how they affect your insurance price:
Trim Level
Trim levels may affect the price of insurance because upper trim levels come with more technology, entertainment, comfort, and safety features than lower trim levels. The following list shows all of the 2022 Jeep Wrangler trim levels and the differences in annual insurance cost, as detailed by Insuraviz.
- High Altitude: $1,812 annually or $151 monthly
- High Altitude 4xe: $1,852 annually or $154 monthly
- Rubicon 392: $1,916 annually or $160 monthly
- Rubicon 4xe: $1,844 annually or $154 monthly
- Rubicon Four-Door: $1,764 annually or $147 monthly
- Rubicon Two-Door: $1,730 annually or $144 monthly
- Sahara: $1,730 annually or $144 monthly
- Sahara Altitude: $1,764 annually or $147 monthly
- Sahara 4xe: $1,820 annually or $152 monthly
- Sport Altitude: $1,708 annually or $142 monthly
- Sport Four-Door: $1,640 annually or $137 monthly
- Sport Two-Door: $1,582 annually or $132 monthly
- Sport RHD: $1,720 annually or $143 monthly
- Sport S Four-Door: $1,686 annually or $141 monthly
- Sport S Two-Door: $1,636 annually or $136 monthly
- Willys Four-Door: $1,720 annually or $143 monthly
- Willys Two-Door: $1,678 annually or $140 monthly
- Willys Sport Four-Door: $1,676 annually or $140 monthly
- Willys Sport Two-Door: $1,620 annually or $135 monthly
Location
People who live in big cities may pay higher rates than those who live in suburbs, small towns, or rural areas. If you live outside of a big city, you may benefit from researching insurance prices in your area to understand localized rates better. The following list shows some major U.S. cities and how much insurance drivers may pay in these locations, as compiled by Insuraviz:
- Chicago, Illinois: $1,896
- Columbus, Ohio: $1,310
- Dallas, Texas: $1,864
- Los Angeles, California: $2,892
- New York, New York: $3,290
- Philadelphia, Pennsylvania: $2,908
- San Francisco, California: $2,486
Driver Age
Younger drivers typically pay more annually for car insurance, especially teenagers. These higher payments are due to their lack of road experience. Luckily, drivers usually pay less for car insurance as they get older. This list provides the average annual Jeep Wrangler car insurance rate for drivers with a $1,000 deductible, as compiled by Insuraviz:
- Age 20: $3,044 annually or $254 monthly
- Age 30: $1,554 annually or $130 monthly
- Age 40: $1,508 annually or $126 monthly
- Age 50: $1,380 annually or $115 monthly
- Age 60+: $1,358 annually or $113 monthly
Model Year
On average, older Jeep Wrangler models typically cost less to insure than newer ones. These reduced costs mean you may save on insurance costs by purchasing an older model. Consider Insuraviz’s list of Jeep Wrangler models organized by year to learn more about what you might pay based on your vehicle’s age:
- 2022: $1,732 annually or $144 monthly
- 2021: $1,690 annually or $141 monthly
- 2020: $1,638 annually or $137 monthly
- 2019: $1,588 annually or $132 monthly
- 2018: $1,492 annually or $124 monthly
- 2017: $1,484 annually or $124 monthly
- 2016: $1,324 annually or $110 monthly
- 2015: $1,290 annually or $108 monthly
- 2014: $1,204 annually or $100 monthly
- 2013: $1,156 annually or $96 monthly
How To Save Money on Car Insurance
Some insurance companies provide loyalty discounts and other offers. Ask your preferred or existing insurance company if it offers discounts for educators, armed services members, students, members of professional organizations, or people with disabilities. You may also consider bundling your home and auto insurance to save annually on insurance costs. Another way to save money on car insurance is to maintain a clean driving record. Traffic violations and car accidents may increase your insurance rates.
Top Companies for Jeep Wrangler Car Insurance
Bankrate.com and The Zebra provide a list of insurance companies that provide the most affordable annual premiums for full coverage policies.
- Allied: $824
- Amica: $1,114
- Erie: $1,282
- GEICO: $1,129
- State Farm: $1,282
- USAA: $1,104
- Vermont Mutual: $953
Finding the right insurance is essential when purchasing a new vehicle. Learning more information about different factors affecting your insurance rate may help you make a better-informed decision when choosing desired features and aspects for your Jeep Wrangler’s vehicle insurance policy.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
