Car insurance for Jeep Wranglers in 2024

How much does it cost to insure a Jeep Wrangler?

The average cost of car insurance in the U.S. is $2,314 per year for full coverage and $644 for minimum coverage, according to data from Quadrant Information Services. In addition to other factors, your vehicle’s make and model affect 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 stats per make/model: According to the Insurance Institute for Highway Safety, the 2022 Jeep Wrangler earned mixed ratings on its safety evaluation score, with some elements earning "marginal" scores and a few, such as headlights, coming in as "poor." 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

Jeep Wrangler insurance cost will vary based on the insurer you choose. Every insurer uses its own proprietary algorithms to determine premium rates, and prices vary from driver to driver. Based on data Bankrate sourced from Quadrant Information Services, the average rates in the U.S. for Jeep Wranglers are $2,038 per year for full coverage and $685 for minimum coverage, which is similar to national rates for all vehicles.

Finding out how much insurance is on a Jeep Wrangler that you own means looking at factors unique to you. Your driving history, and the number of claims you have made against your policy in the past, are common factors. A driver with no marks on their license is likely to earn a lower rate than a similar individual who has had several accidents in the past.

Age is also important, with teen drivers usually paying the highest rates. Their rates will begin to decline as they enter their twenties and continue to drop until they are around 70, at which point they will increase.

Location also plays a role. If you live in a crowded urban area, for example, where heavy traffic conditions may lead to a high number of accidents, you may pay more for your policy than someone who lives in the suburbs or a rural area. You may also pay less if you are able to house your car in a garage, where it is less accessible to theft or vandalism.

Cheapest car insurance companies for Jeep Wranglers

Of the best car insurance providers available, the following 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 premiums are personalized and will vary based on several characteristics.

Average car insurance cost for Jeep Wrangler by company

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 makes it more difficult to steal a vehicle.
• Automatic daytime running lights: 2022 Jeep Wranglers are equipped with daytime running lights that turn on automatically, eliminating the need for Wrangler drivers to flick on their headlights manually.
• Automatic high-beam headlamps: Optional automatic high-beam lights can sense when they're needed and turn on automatically while maintaining safety for other drivers.
• Back-up camera: Back-up cameras provide drivers with greater visibility and can help reduce the chances of reverse crashes.
• Blind spot monitoring: With blind spot monitoring, a light on your Jeep’s side-view mirror will turn on if the car detects something in your blind spot or crossing behind you.
• Electronic stability control: Electronic stability control can help reduce the possibility of skidding and the chances of an accident.
• 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

In addition to your state-mandated minimum coverage, most insurers offer a variety of optional types of insurance that can help augment your policy and give you more robust protection. These are some of the most common types of endorsements you can add to your insurance:

• Collision: As the name suggests, it helps pay for damage to your vehicle regardless of who is at fault in an accident.
• Comprehensive: Covers damages caused by anything other than a collision. This may include theft, vandalism, objects falling on your car or hitting an animal. Along with collision, it is part of a full coverage policy.
• Uninsured/underinsured motorist: This coverage helps pay if you are in an accident with someone who is driving without insurance or whose insurance is not enough to cover damage and medical costs. It may also help if you are the victim of a hit-and-run driver.
• Personal injury protection (PIP): Mandatory in no-fault states, this coverage pays medical bills, lost wages and more, regardless of who is at fault.
• Gap insurance: If you have a car loan on your newer vehicle and it is totaled in an accident, this will cover the gap between your car's depreciated value and what you owe on the loan.
• Roadside assistance: This option helps if you are faced with an emergency minor repair while driving, such as a flat tire, dead battery or other malfunction. It often includes towing costs, as well.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 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 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: Jeep Wrangler and Toyota Camry (base).