Jeep Wrangler insurance rates

Average Jeep Wrangler insurance rates

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. Keep reading to find out how these factors might affect the cost of insurance.

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, which could be due to a handful of different variables. The cost of auto insurance is influenced by vehicle, driver and location-specific factors, which is why it’s important to get quotes that will accurately reflect your situation.

• How we got this rate

  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

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:

• New car discount
• Anti-lock brake discount
• Anti-theft discount
• Passive restraint discount (Airbags, motorized seat belts, etc.)
• Emergency roadside assistance discount

Jeep Wrangler safety & reliability ratings

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 U.S. News and J.D. Power, the 2018 Wrangler gets an underwhelming 2.5/5 star reliability rating, which is worse than most vehicles in its class.

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.
• Here is Jeep’s suggested maintenance schedule for the Wrangler:

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.

Bottom line

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.