Jeep Wrangler Insurance Rates & Discounts

Jeep Wrangler Insurance Rates costs an average of $154 per month, or $1,848 per year, according to the National Highway Traffic Safety Administration. In comparison to the national average, this estimate is around $500 more expensive.

How Much Does Jeep Wrangler Insurance Cost?

Jeep Wrangler Insurance Rates & Discounts - Jeep Logo

Insurance for a Jeep Wrangler costs an average of $154 per month, or $1,848 per year, according to the National Highway Traffic Safety Administration. In comparison to the national average, this estimate is around $500 more expensive.

Model and TrimAnnual PremiumMonthly Premium
Jeep Wrangler Sport 4WD 2-Dr$1,108$92
Jeep Wrangler Sport Islander Package 4WD 2-Dr$1,164$97
Jeep Wrangler Unlimited Sport 2WD 4-Dr$1,274$106
Jeep Wrangler Sahara 4WD 2-Dr$1,178$98
Jeep Wrangler Unlimited Sport 4WD 4-Dr$1,288$107
Jeep Wrangler Rubicon 4WD 2-Dr$1,220$102
Jeep Wrangler Unlimited Sahara 2WD 4-Dr$1,300$108
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr$1,300$108
Jeep Wrangler Unlimited Sahara 4WD 4-Dr$1,344$112
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr$1,386$116

How to compare insurance for the Jeep Wrangler

Shopping for vehicle insurance may be a nuisance; many suppliers utilize jargon that is difficult to understand, and everyone promises to have the lowest rates available. Nonetheless, coverage may give peace of mind both on and off the road, and it is mandated in virtually every state, making it a worthwhile investment. While you will almost certainly be unable to avoid obtaining insurance, you can make the process simpler if you know what to look for and how to compare policies. Here’s how to compare Jeep Wrangler auto insurance quotes online.

  • Price. It is critical to utilize the same information when obtaining estimates from different providers because policies and features might vary from one company to another. This will allow you to evaluate similar solutions on the basis of pricing in order to discover the best supplier for your needs.
  • Deductible. Because your deductible amount has a direct impact on your monthly premiums, you should pick a deductible amount that is within your monthly budget but will not provide a problem if you need to submit a claim.
  • Minimum coverage. It’s crucial to double-check that any potential insurance meets the very minimum standards in your area, since each state has its own set of coverage criteria to consider.
  • Additional coverage. Personal injury protection and pet insurance are two other types of insurance that you may come across while shopping for coverage. Regardless of whatever alternatives you pick, make sure to mention any additional coverage you may want when obtaining estimates from insurance companies.
  • Extras. The features and extras offered by different providers and areas might differ. Find out what each coverage covers and what you’ll have to pay extra for if you want to be completely covered.
  • Restrictions. Check to see if your insurance has any limits in order to avoid coverage gaps or claims being refused altogether.
  • Manufacturer offer or loyalty discount. Check with your manufacturer to see if they have any special offers or loyalty savings available as a result of their connections with insurance companies.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

Jeep Wrangler Insurance Rates by Model Year

Model YearComprehensiveCollisionLiabilityTotal Premium
2020 Jeep Wrangler$268$362$440$1,250
2019 Jeep Wrangler$256$358$450$1,244
2018 Jeep Wrangler$248$350$470$1,248
2017 Jeep Wrangler$240$336$486$1,242
2016 Jeep Wrangler$226$324$500$1,230
2015 Jeep Wrangler$218$300$510$1,208
2014 Jeep Wrangler$208$282$514$1,184
2013 Jeep Wrangler$200$254$520$1,154
2012 Jeep Wrangler$188$234$520$1,122
2011 Jeep Wrangler$180$218$524$1,102
2010 Jeep Wrangler$176$204$534$1,094
2009 Jeep Wrangler$164$190$534$1,068
2008 Jeep Wrangler$158$172$540$1,050
2007 Jeep Wrangler$148$158$534$1,020
2006 Jeep Wrangler$140$142$534$996
2005 Jeep Wrangler$134$128$530$972
2004 Jeep Wrangler$132$126$520$958
2003 Jeep Wrangler$130$120$510$940
2002 Jeep Wrangler$120$114$504$918
2001 Jeep Wrangler$116$108$500$904

What variables influence Jeep Wrangler insurance rates?

Insurance providers use various safety- and risk-related data to estimate automobile insurance costs. Though your location and driving history might impact your rates, your car plays a far more significant part in the variables above, including your make and model. The Jeep Wrangler’s attributes could impact the cost of insurance.

  • Body type. The Jeep Wrangler is offered as a two- or four-door convertible SUV. It is ideally suited for activities such as off-roading, which may lead to costlier insurance.
  • Type of car. The Wrangler is a small SUV that begins at about $30,000. This might make insurance cheaper for high-end or performance automobiles.
  • Theft. In Forbes’ study, the most stolen SUVs and crossovers are the Wrangler. This might raise insurance costs.
  • Repairs. Repairing the Wrangler will be pricey because it gets used frequently. Higher insurance rates are possible.
  • Safety ratings. Jeep Wrangler’s below average safety scores might cause costly vehicle insurance.
  • Fuel type. When it comes to auto insurance, gas cars such as the Jeep Wrangler are often less expensive than diesel and hybrid cars.
  • Trim & packages. Selecting models or trims that boost power or total value may boost the Wrangler’s insurance cost. Adding features that increase visibility or safety, on the other hand, may result in lower insurance costs.

Jeep Wrangler cost saving safety features

If your Jeep Wrangler is equipped with these safety features, you may be able to save money on car insurance.

  • Airbags
  • Anti-lock brakes
  • Anti-theft system
  • Parking sensors
  • All View Cameras
  • Daytime Lighting System
  • Stability Control System
  • Pretension system for Seatbelts
  • Backup Sensors
  • Warning System for Lane crossover
  • Responsive cruise control

Does the Jeep Wrangler Qualify for any Car Insurance Discounts?

Depending on whatever auto insurance company you pick, your car may be qualified for a variety of auto insurance discount options. However, the specific reductions you receive may differ based on your region, your service provider, your preferences, and other variables. Some of these should apply to the Jeep Wrangler, and they are as follows:

  • Discount for new cars
  • Discount for Anti lock braking
  • Discount For Anti Theft Systems
  • Discount for Airbag & Seat belt Restraints
  • Discount for Emergency  Roadside Assistance 

Jeep Wrangler safety & reliability ratings

Jeep Wrangler manufacture began in 1986 and is presently in its fourth generation, which is known as the JL.

The Jeep Wrangler is one of the most iconic vehicles in the world. The 2018 Jeep Wrangler convertible SUV, which is available as a two- or four-door model, is safer, more comfortable, and more fuel-efficient than its predecessors.

While official safety ratings for the 2018 Wrangler have not yet been released, the 2017 model received a 5.7/10 rating from U.S. News and J.D. Power & Associates.

On top of that, the IIHS rates it below average in practically every area, which is a major disappointment.

It received a disappointing 2.5/5 star dependability rating from US News and JD Power, which is lower than the average for vehicles in its class, according to their research.

Jeep Wrangler repairs and servicing

Despite its all-terrain capability, the Jeep Wrangler is a car that can handle itself practically anyplace you put it. It is constructed to survive for many years and should require little maintenance if driven in typical circumstances. However, it has a high average maintenance cost, which you may want to bear in mind if you plan on taking it off the beaten path on a regular basis. Regardless, it’s critical that you follow a basic maintenance routine that includes things like oil changes and inspections, among other things.

  • Jeep does not recommend a specific oil change schedule because vehicle usage varies based on the owner, region, and other variables. Instead, you should pay attention to the oil change indication system to determine when your oil needs to be replaced.
  • Oil changes should cost between $100 and $200, however your actual cost may be more or lower than these estimates.
  • In terms of yearly repair costs, the Wrangler has an average of slightly more than $500, which is more than the norm for crossover SUVs. Some owners have also reported transmission issues, which may be a costly problem that can contribute to the higher average repair cost.

Should you get an extended warranty worth it for the Jeep Wrangler?

The Jeep Wrangler is covered by a 3-year/36,000-mile limited warranty as well as a 5-year/60,000-mile powertrain warranty, which covers faults caused by faulty components or service. On top of that, the Wrangler is covered by a 5-year corrosion warranty and a 5-year/60,000-mile roadside assistance guarantee.

Jeep, in contrast to other similar cars, does not include a comprehensive maintenance package with the car.

However, even though Jeep does not officially provide an extended warranty for the Wrangler, the vehicle’s parent company, Mopar, does. It offers two vehicle protection plans that are available in a variety of terms and can give additional insurance for up to eight years/125,000 miles on a car purchase.

Rental allowances, OEM part replacements, repair performed by trained experts, and other benefits are included in these plans. Because the Wrangler has high average maintenance costs and a bad dependability rating, purchasing a vehicle protection package may be a wise decision.

In Conclusion

The Jeep Wrangler is a famous off-road vehicle that has been on the market since its introduction in 1974. While its durable build can withstand practically everything you throw at it, the typical maintenance costs are expensive, especially when the device is subjected to hard use. In addition, it has below-average dependability and safety ratings, which might raise the cost of insurance, but Mopar’s vehicle protection plans may be able to help alleviate the situation. Anyhow, it is critical that you have adequate coverage for your Jeep Wrangler, so you should shop around to see which insurance carrier gives the greatest deal.

Check out our review of Jeep Gladiator Insurance rates for more details.

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Matt Barnes
Matt Barnes is a former insurance agent in Texas. He currently works at b5media as director of business development. He lives in San Diego, California with his wife and two daughters.
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