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Average Jeep Wrangler insurance rates
The average cost of auto insurance for a Jeep Wrangler is $154 per month, or $1,848 a year. This estimate is roughly $500 higher than the national average.
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A 2017 Jeep Wrangler starts at a base price of $23,995. With the average insurance rate at $1,848 per year, the annual insurance cost–to–base car price ratio is 7.7%.
Model
Monthly insurance rate
Base car price
Cherokee
$220
$23,695
Compass
$164
$19,940
Grand Cherokee
$220
$30,395
Patriot
$164
$18,040
Renegade
$220
$17,995
Wrangler
$154
$23,995
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Jeep Wrangler
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Good credit
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Jeep Wrangler model year
Vehicle’s trim
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Jeep Wrangler
Shopping for auto insurance can be a hassle; many providers use confusing language and every one claims to have the best price. But at the end of the day, coverage can provide peace of mind on and off the road, not to mention that it’s mandatory in almost every state. So while you probably won’t be able to avoid purchasing coverage, you can make the process easier if you know what to look for. Here’s how to compare insurance for the Jeep Wrangler.
Price. Since policies and features can differ between providers, it’s important to use the same information when getting quotes. This will help you compare similar options by price to find the best provider for your situation.
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 state has different coverage requirements, so it’s essential that you make sure any potential policy meets your state’s minimums.
Additional coverage. Personal injury protection and pet insurance are two additional coverage options you may come across. Regardless of which options you choose, be sure to include any additional coverage you need when getting quotes.
Extras. Features and extras can vary between providers and locations. Find out what each policy includes and what you’ll need to pay extra for.
Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
Car insurance rates for Jeep Wrangler by year
Year
Progressive
Geico
State Farm
Average
2009
$204
$168
$154
$175
2010
$205
$168
$157
$177
2011
$198
$152
$157
$169
2012
$193
$152
$148
$164
2013
$192
$152
$149
$164
2014
$188
$153
$158
$166
2015
$268
$235
$190
$231
2016
$276
$240
$210
$242
2017
$296
$243
$200
$246
2018
$294
$250
$234
$259
2019
$254
$257
$236
$249
What factors affect car insurance rates for Jeep Wrangler?
Insurance providers determine the insurance cost for your vehicle based on safety ratings, theft rates, replacement costs, damage susceptibility and other factors. While your location and driving history can influence your rates, the vehicle you drive has a much greater effect on the variables above, your make and model play an integral role in the price you pay for insurance. Here’s how the Jeep Wrangler’s characteristics might affect the cost of coverage.
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 $30,000. 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 insurance.
Repairs. The Wrangler could be expensive to repair, especially if it is subject to heavy use. This could lead to higher insurance premiums..
Safety ratings. The Jeep Wrangler has below average safety ratings, which could lead to expensive auto insurance.
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.
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Jeep Wrangler money-saving safety features
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
Does the Jeep Wrangler qualify for auto insurance discounts?
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Jeep Wrangler:
The iconic Jeep Wrangler began production in 1986 and is currently in its fourth generation, which is called the JL. Available as a two or four-door convertible SUV, the 2018 Wrangler is safer, more comfortable and more efficient than its predecessors.
While the 2018 Wrangler doesn’t have official safety ratings yet, the 2017 model gets a 5.7/10 from U.S. News and J.D. Power. On top of that, the IIHS gives it below average ratings in almost every category.
According to US News and JD Power, the 2018 Wrangler gets an underwhelming 2.5/5 star reliability rating, which is worse than most vehicles in its class.
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Jeep Wrangler maintenance
The Jeep Wrangler is an all-terrain vehicle that can hold its own almost anywhere you take it. It’s built to last and should require little maintenance if driven under normal conditions. However, it does have a high average repair cost, which you may want to keep in mind if you’re planning on taking it off road frequently. Regardless, it’s important that you adhere to a basic maintenance schedule that includes things like oil changes and inspections.
Since vehicle usage may vary depending on the owner, location and other factors, Jeep doesn’t have a suggested oil change schedule. Instead, you should follow the oil change indicator system to find out when your oil needs to be changed.
Oil changes should cost between $100 and $200, but your actual cost may vary.
The Wrangler has an annual average repair cost of just over $500, which is above average for crossover SUVs. Some owners have also experienced transmission problems, an expensive issue that could contribute to the higher average repair cost.
Is an extended warranty worth it for the Jeep Wrangler?
The Wrangler is backed by Jeep’s 3-year/36,000-mile limited warranty and 5-year/60,000-mile powertrain warranty, which covers issues due to defective parts and service. On top of that, the Wrangler also comes with 5 years of corrosion protection and 5 years/60,000 miles of roadside assistance. Unlike other similar vehicles, Jeep does not provide a complimentary maintenance plan.
Although Jeep doesn’t offer an official extended warranty for the Wrangler, its parent company, Mopar, does. It has two vehicle protection plans that are available in multiple terms and provide up to eight years/125,000 miles of additional protection. These plans include rental allowances, OEM part replacements, work from certified technicians and more. Considering that the Wrangler has high average repair costs and a low reliability rating, the vehicle protection plans might be a good idea.
Compare Jeep competitors
While there aren’t many other vehicles like the Wrangler, you can find out what else Jeep has to offer or explore other manufacturers to see what’s out there.
The Jeep Wrangler is an iconic off road vehicle that’s been around since 1974. While its rugged design can handle almost anything you put it through, average repair costs are high, especially under heavy use. It holds below-average reliability and safety ratings which could increase the cost of insurance, but Mopar’s vehicle protection plans may be able to help. In any case, it’s important that you have the right coverage for your Wrangler, so you should compare your options to find out which provider offers the best value.
Frequently asked questions about the Jeep Wrangler
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.
Auto insurance is never one-size-fits-all, so it’s hard to say which provider is best for the Jeep Wrangler. That said, most providers should be able to offer coverage for this vehicle, so it’s just a matter of finding the best policy and price for your situation. You can do this by comparing your options to find out which provider offers the best price for the coverage you need.
You can learn more about state minimums here, 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 state’s minimum requirements.
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Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Wielding a degree in Economics from Dalhousie University, Peter Carleton is a writer that covers banking and investing at finder.com. From savings accounts to cutting-edge banking apps, robo-advisors and beyond, he breaks down what you need to know about where you put your money. When Peter's not thinking about bank accounts and investing tools, he runs a creative agency and spends his spare time cooking or reading.
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