Jeep Wrangler insurance rates
Shedding light on car insurance prices
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.
Companies that offer auto insurance for Jeep Wrangler
Allstate. Though Allstate’s rates can be a bit higher than its competition, the service is well worth the price. This provider offers a selection of customizable coverage options, rewards for safe drivers and one on one service from your own dedicated agent.
Esurance. Esurance was founded in 1999 and has since grown to become one of the most popular providers in the country. It sells coverage directly to customers through its efficient online platform and convenient mobile app.
Nationwide. Best known for its slogan, “Nationwide is on your side”, Nationwide is among the nation’s top 10 auto insurance providers. Home to the Plenti Rewards Program and On Your Side auto repair network, this provider strives to make auto insurance more convenient.
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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.
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.
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.
About the Jeep Wrangler
The Jeep Wrangler has been around since 1986 and is currently in its third generation. The compact SUV is known for its excellent off-road capabilities and strong V6 engine. In 2015, there were over 202,000 sales in the United States.
Insurance companies consider a number of factors when calculating your premiums, which is why rates can change based on a driver’s history and location. Jeep shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Jeep Wrangler shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
Random Jeep Facts
- Jeep is an American automotive brand that has been around since 1941.
- Jeep vehicles were originally meant for military use. The company started producing civilian cars in 1945. Jeep also produced the USPS mail vehicles for more than 30 years.
- The Jeep Wrangler is one of the most popular SUVs in America.
- In 2014, Jeep sold more than 1.4 million vehicles globally.
- Jeep base prices start at $18,000 and can go up to $31,000.
Jeep Wrangler car insurance rates
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 |
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.
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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.
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