The cost of your Jeep Wrangler insurance will vary based on a number of personal factors. These can include where you live, what your driving record looks like, how much coverage you need and what size of deductible you’re willing to pay. The analysis below offers the average cost for insurance on a Jeep Wrangler for a sample driver. Just keep in mind that it may not be indicative of what you’ll have to pay based on your own personal profile.
How much does Jeep Wrangler insurance cost?
The 2021 average insurance cost for a Jeep Wrangler is around $233 a month or $2,790 a year. This cost is based on our sample driver who has Jeep Wrangler insurance in Ontario. Your actual cost will vary by province and will be based on personal factors such as your age, driving record and what type of Jeep Wrangler you have.
Car insurance rates for Jeep Wranglers vs other Jeep models
A Jeep Wrangler starts at a base price of $35,687. With the average insurance rate at $2,790 per year, the annual insurance cost–to–base car price ratio is 7.8%.
Model
Monthly insurance rate
Base car price
Cherokee
$270
$31,027
Compass
$265
$26,394
Grand Cherokee
$278
$44,409
Gladiator
$265
$47,743
Renegade
$280
$26,121
Wrangler
$233
$35,687
To determine these estimated costs, we aggregated quotes from insurance companies using this profile:
Single, 35 year old female
Latest model vehicle
20,000 km driven yearly
Perfect driving record
Equipped with winter tires
Driver located in Etobicoke, Ontario
Other factors that can affect your auto insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated kilometres you drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past several years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
How to compare Jeep Wrangler insurance
Here are a few factors to consider when comparing Wrangler insurance:
Price. Since policies and features can differ between providers, it’s important to use the same information when getting Jeep Wrangler insurance quotes. You should also compare quotes from at least 3 to 4 providers to find the best deal.
Deductible. Since your deductible amount can directly influence your monthly premiums, you should choose an amount that fits your monthly budget but won’t be an issue if you need to file a claim.
Minimum coverage. Every province has different coverage requirements, so it’s essential that you make sure any potential policy meets your province’s minimum insurance requirements.
Extras. See which features and extras you may be able to qualify for – such as accident forgiveness, shrinking deductibles or roadside assistance. Pick the insurance that offers the most benefits for the lowest price.
Warranty and exclusions. Check what’s covered by your manufacturer’s warranty to avoid paying for overlapping coverage. You should also double check that there are no exclusions that could void the coverage you have to buy.
Tips to get the lowest cost for Wrangler insurance
You can lower your Jeep Wrangler insurance rates if you keep these tips in mind:
Compare multiple policies. You should make sure to compare Jeep Wrangler insurance quotes from at least 3 – 4 providers to get the best deal.
Increase your deductible. You can cut down on your Wrangler insurance costs by agreeing to pay a bigger deductible if you get into an accident.
Practice defensive driving. Take driver’s education or monitor your habits with a safe driving app to get Wrangler insurance discounts with some agents.
Use anti-theft devices. Upgrade your Jeep Wrangler with anti-theft devices such as a car alarm or steering wheel lock to qualify for lower premiums.
Bundle your insurance. Ask your provider if you can save money on your Wrangler insurance if you bundle your home or other vehicle insurance with them.
Ask about discounts. You could get discounts for having winter tires, parking your Wrangler in a garage or for being a student – you just need to ask what you qualify for.
What factors affect your Jeep Wrangler insurance cost?
The following factors can affect how much you have to pay for Wrangler insurance:
Body type. The Wrangler is available as a two or four-door convertible SUV. This type of vehicle is best suited for off-roading and other higher-risk activities, which could lead to more expensive coverage.
Type of car. The Jeep Wrangler is a compact SUV with a price tag that starts at just under $33,000. This could make it cheaper to insure compared to luxury or performance vehicles.
Theft. According to Forbes, the Wrangler is one of the most stolen SUVs and crossovers. This could increase the cost of your Wrangler insurance.
Repairs. The Wrangler could be expensive to repair, especially if it is subject to heavy use. This could lead to higher Jeep Wrangler insurance costs as well.
Safety ratings. The Jeep Wrangler has below average safety ratings, which could lead to higher insurance premiums.
Fuel type. Gas vehicles like the Wrangler are generally cheaper than diesel and hybrid vehicles when it comes to auto insurance.
Trim & packages. Choosing models or trims that increase power or overall value could make the Wrangler more expensive to insure. However, adding features that improve visibility or safety could make insurance cheaper.
You could save money on car insurance for your Jeep Wrangler if it comes equipped with these safety features.
Airbags
Anti-lock brakes
Anti-theft device
Parking sensors
Surround view camera system
Daytime running lights
Electronic stability control
Seatbelt pretensioners
Rear backup sensors
Lane-departure warning systems
Adaptive cruise control
Jeep Wrangler prices in Canada will vary depending on factors such as your Wrangler’s year, trim and purchase location. Jeep Wrangler prices for a 2020 model may vary between $28,295 – $49,750, depending on your province. You’ll typically pay less for older models or used Jeep Wranglers, especially if they are basic models that don’t include many extra features.
Here are a few of the Jeep Wrangler insurance discounts you may be eligible for:
The Wrangler is backed by Jeep’s 3-year/60,000 kilometre limited warranty and 5-year/100,00 kilometre powertrain warranty, which covers issues due to defective parts and service. On top of that, the Wrangler also comes with 24 hour roadside assistance.
You may be able to keep your Jeep Wrangler maintenance costs lower if you sign up for an extended warranty. This usually won’t cover routine Jeep Wrangler maintenance costs but it could cover you for larger and more costly repairs.
Bottom line
The cost of insurance for a Jeep Wrangler varies based on a number of personal factors such as your driving record, age, location and coverage amounts. You can find out more about the Wrangler insurance cost you’ll have to pay by comparing your options and requesting Jeep Wrangler insurance quotes with multiple providers.
Frequently asked questions about Jeep Wrangler insurance
The price you’ll pay for insurance on a Jeep Wrangler will vary based on a number of personal factors. This is why it’s difficult to pin down an exact cost unless you apply for Jeep Wrangler insurance quotes with multiple providers using your own personal information and vehicle profile.
The average Jeep Wrangler insurance cost for our sample driver is around $174 a month or $2,088 a year (for a 2020 model). This number can be lower or higher for you based on factors such as what your driving record looks like, how old your vehicle is, how much Jeep Wrangler insurance coverage you need and how big your deductible is. You should also keep in mind that the price for our sample driver applies only to Jeep Wrangler insurance in Ontario.
You’ll pay different Jeep Wrangler insurance prices based on the province you live in. For example, Jeep Wrangler insurance in Ontario and BC will often be much higher than it will be in provinces such as PEI or Quebec. You should find out where your province sits on the scale of insurance prices in general to find out how much you might have to pay.
Jeep Wranglers can be expensive to insure if you aren’t diligent about pursuing discounts or you don’t compare multiple providers. This is because they’re often off-road and sporty vehicles – which drives Jeep insurance costs up. It’s also because they’re high on the list of vehicles that regularly get stolen, which makes Jeep Wranglers more expensive to insure.
Jeep Wrangler car insurance will never be one-size-fits-all, so the best way to find the best auto insurance provider is to get multiple Jeep Wrangler insurance quotes and compare your options.
You can learn more about provincial minimums here, by selecting your province or territory in the top right hand corner. Or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your provincial minimum requirements.
Probably not. The Wrangler is designed to perform well on and off the road and it comes equipped with a number of features that can help prevent accidents and mitigate damage. While it does have below-average safety ratings, finding coverage from any major provider should be no problem, although insurance might be expensive.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
