Jeep Wrangler vs Toyota Tacoma Insurance Cost

• For the latest model year, a Toyota Tacoma is cheaper to insure than a Jeep Wrangler by an average of $248 per year.
• Average car insurance cost per month for the Jeep Wrangler is 12.3% more expensive than the Toyota Tacoma, at $181 versus $160, a difference of $21 per month.
• If the cheapest monthly payments are your number one priority, the Sport 2-Door and Sport S 2-Door trims are the cheapest Jeep Wrangler models to insure, while the SR XtraCab 2WD and SR5 XtraCab 2WD trims are the cheapest Toyota Tacoma models to insure.

Is it cheaper to insure a Jeep Wrangler or Toyota Tacoma?

For 2024 Wrangler and Tacoma models, the model with cheaper average insurance rates is the Toyota Tacoma. Insurance cost for the Jeep Wrangler averages $2,168 per year, whereas insurance for a Toyota Tacoma averages $1,920 per year.

Out of 16 trims for the 2024 Jeep Wrangler, the cheapest average car insurance prices are on the Sport 2-Door model at a cost of $1,928 per year. For the 19 trim levels available for the Toyota Tacoma, the cheapest 2024 model to insure is the SR XtraCab 2WD model at a cost of $1,742 per year, or $145 per month.

When average insurance prices for all 35 trim levels for both 2024 models are compared, the most affordable model and trim level is the Toyota Tacoma SR XtraCab 2WD at an average of $1,742 per year. The most expensive trim is the Jeep Wrangler Rubicon 392 at an average of $2,380 per year.

The next table compares the annual and monthly car insurance cost for 2024 Jeep Wrangler and Toyota Tacoma models, broken down by individual trim level.

The chart shown below shows the average cost to insure both models using different driver ages. Average car insurance cost ranges from $1,934 to $4,416 per year for a 2024 Jeep Wrangler, and $1,710 to $3,888 for a 2024 Toyota Tacoma for the driver ages used.

The next two rate tables show both 2024 models and all trim levels available for each one, including an overall average cost for each model.

2023 Jeep Wrangler vs. Toyota Tacoma

When comparing the Jeep Wrangler and Toyota Tacoma for the 2023 model year, the vehicle with the cheapest average car insurance rates is the Toyota Tacoma. Insurance on the Jeep Wrangler averages $2,038 per year, and insurance for the Toyota Tacoma averages $1,684 per year.

Out of 22 Jeep Wrangler trim levels, the cheapest 2023 trim to insure is the Sport 2-Door trim at an average cost of $1,846 per year.

For the 24 trim levels available for the Toyota Tacoma, the cheapest 2023 model to insure is the SR Access Cab 4WD model at a cost of $1,564 per year, or around $130 per month.

When rates for all 46 trim levels for both vehicles are compared, the cheapest model and trim level to insure is the Toyota Tacoma SR Access Cab 4WD at an average rate of $1,564 per year, and the most expensive model and trim level is the Jeep Wrangler Rubicon 392 at an average of $2,252 per year.

The rate table below compares and ranks the annual and monthly cost of car insurance for 2023 Jeep Wrangler and Toyota Tacoma models, showing average cost by trim level for each model.

The chart below visualizes the average cost to insure the two models for four different driver age groups. Average insurance cost ranges from $1,822 to $4,188 per year for a 2023 Jeep Wrangler, and $1,498 to $3,390 for a 2023 Toyota Tacoma for these driver ages.

The tables below show average car insurance cost by trim level for each 2023 model, including the average rate for each model. The cheapest model to insure for the 2023 model year is the Toyota Tacoma.

2022 Jeep Wrangler vs. Toyota Tacoma

For the 2022 model year, the vehicle with the cheapest average car insurance rates is the Toyota Tacoma. Average insurance rates for the Jeep Wrangler are $1,984 per year, whereas insurance for a Toyota Tacoma averages $1,610 per year.

Within each model, however, the cost of car insurance varies considerably for each of the different trim levels.

For a 2022 Jeep Wrangler, rates range from $1,812 per year for the Sport 2-Door model up to the highest rate of $2,196 for the Rubicon 392 model.

For a 2022 Toyota Tacoma, rates range from $1,468 per year for the SR Access Cab 4WD model up to $1,820 for the most expensive TRD Pro AWD Automatic model.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Toyota Tacoma SR Access Cab 4WD at an average rate of $1,468 per year. The highest-cost model and trim level is the Jeep Wrangler Rubicon 392 costing $2,196 per year.

For a 2022 Jeep Wrangler, the cheapest models are the Sport 2-Door, Willys Sport 2-Door, and Sport S 2-Door. The cheapest Toyota Tacoma models include the SR Access Cab 4WD, SR Access Cab 2WD, and SR Double Cab 2WD.

Insurance rates for all 2022 Jeep Wrangler and Toyota Tacoma models and trims range from $122 to $183 per month.

The table below compares the cost of car insurance for 2022 Jeep Wrangler and Toyota Tacoma models, showing cost for each trim level of both models.

The chart below compares average Jeep Wrangler insurance cost to average Toyota Tacoma insurance cost to illustrate which 2022 model has cheaper car insurance rates.

The tables below detail insurance rates for all trim levels of 2022 Wrangler and Tacoma models. The 2022 Jeep Wrangler has an average insurance cost of $1,984 and the 2022 Toyota Tacoma is $1,610, making the Toyota Tacoma cheaper by $374 per year.

2021 Jeep Wrangler vs Toyota Tacoma

For 2021 Jeep Wrangler and Toyota Tacoma models, the Toyota Tacoma has cheaper car insurance rates by an average of $432 per year for this comparison year.

The chart below shows the average cost to insure both models rated for different driver ages. For a 2021 Jeep Wrangler, the average cost of car insurance ranges from $1,730 to $3,984 per year for these driver ages. A 2021 Toyota Tacoma costs from $1,334 to $3,032 to insure per year.

Out of 15 Jeep Wrangler trim levels, the cheapest 2021 trim level to insure is the Sport 4WD model at an average cost of $1,466 per year, or about $122 per month. The 2021 Toyota Tacoma has 14 trims available, with the cheapest model to insure being the Access Cab SR5 2WD model at an average cost of $1,370 per year, or $114 per month.

When comparing rates by trim level for both models, the cheapest trim to insure is the Toyota Tacoma Access Cab SR5 2WD at a cost of $1,370 per year. The most expensive trim is the Jeep Wrangler Rubicon 392 at an average cost of $2,156 per year.

The rate tables below show both 2021 models and all trim levels available for each one, as well as an average rate for each model.

2020 Jeep Wrangler vs Toyota Tacoma

For the 2020 Jeep Wrangler and Toyota Tacoma models, the Toyota Tacoma has cheaper car insurance rates by an average of $406 per year.

The rate chart below shows the average cost to insure both models for drivers aged 20 to 50. For a 2020 Jeep Wrangler, insurance cost ranges from $1,664 to $3,838 per year for the age groups used in this illustration. A 2020 Toyota Tacoma costs from $1,292 to $2,938 to insure per year.

For the 13 trims available for the 2020 Jeep Wrangler, the cheapest trim to insure is the Sport 4WD model at an average cost of $1,430 per year, or around $119 per month. Out of the 14 trim levels available for the Toyota Tacoma, the cheapest 2020 model to insure is the Access Cab SR5 2WD trim at a cost of $1,332.

When rates for all 27 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Toyota Tacoma Access Cab SR5 2WD at a cost of $1,332 per year. The overall most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon Sky One Touch Power Top at an average cost of $2,022 per year.

The tables below show trim level insurance rates for each 2020 model, including the average rate for each model.

2019 Jeep Wrangler vs Toyota Tacoma

When comparing insurance cost for 2019 models, a Jeep Wrangler costs an average of $1,772 per year to insure and a Toyota Tacoma costs $1,410, making the Toyota Tacoma cheaper to insure by $362 per year.

The next chart shows the average cost to insure both 2019 models for the 20, 30, 40, and 50-year-old driver age groups. The average car insurance cost ranges from $1,594 to $3,652 per year for a 2019 Jeep Wrangler, and $1,250 to $2,850 for a 2019 Toyota Tacoma for the age groups used in the chart.

For the seven trim levels available for the 2019 Jeep Wrangler, the cheapest trim to insure is the Sport 4WD model at an average cost of $1,528 per year, or $127 per month. For the 14 trim levels available for the Toyota Tacoma, the cheapest 2019 trim to insure is the Access Cab SR5 2WD model at a cost of $1,292 per year, or about $108 per month.

When comparing rates by trim level for both models, the cheapest trim to insure is the Toyota Tacoma Access Cab SR5 2WD at a cost of $1,292 per year. The highest-cost model and trim level is the Jeep Wrangler Unlimited Rubicon 4WD costing an average of $1,970 per year.

The tables below illustrate average car insurance rates for every trim level for both 2019 models, as well as the overall average rate for each model. The winner for the 2019 car insurance battle is the Toyota Tacoma.

2018 Jeep Wrangler vs Toyota Tacoma

For 2018 Jeep Wrangler and Toyota Tacoma models, the Toyota Tacoma is cheaper to insure by an average of $76 per year.

The chart below visualizes the average cost to insure both models with different ages of drivers. Average insurance cost ranges from $1,472 to $3,360 per year for a 2018 Jeep Wrangler, and $1,386 to $3,154 for a 2018 Toyota Tacoma for the included age groups.

Out of seven trim levels for the 2018 Jeep Wrangler, the cheapest average car insurance prices are on the Sport 4WD trim at a cost of $1,350 per year, or about $113 per month. For the 18 trims available for the Toyota Tacoma, the cheapest 2018 model to insure is the Access Cab SR 2WD trim at a cost of $1,388.

When rates for all 25 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Jeep Wrangler Sport 4WD at a cost of $1,350 per year, and the most expensive trim is the Jeep Wrangler Unlimited Rubicon 4WD at an average cost of $1,850 per year.

The rate tables below display average car insurance rates for every trim level for both 2018 models, including an overall average rate. The 2018 Toyota Tacoma wins out over the 2018 Jeep Wrangler for the cheapest average car insurance rates.

2017 Jeep Wrangler vs Toyota Tacoma

When comparing average insurance cost for 2017 models, the Jeep Wrangler costs an average of $1,600 per year to insure and the Toyota Tacoma costs $1,474, making the Toyota Tacoma the winner by $126 for this model year.

The chart shown below demonstrates the average cost to insure both 2017 models with different ages of drivers. For a 2017 Jeep Wrangler, the average cost of car insurance ranges from $1,442 to $3,292 per year. A 2017 Toyota Tacoma costs from $1,316 to $2,986 to insure per year.

The 2017 Jeep Wrangler has 13 trims available, with the cheapest trim to insure being the Sport 4WD model at an average cost of $1,312 per year.

For the 18 trim levels available for the Toyota Tacoma, the cheapest 2017 model to insure is the Access Cab SR 2WD model at a cost of $1,340.

When all 31 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Jeep Wrangler Sport 4WD at an average rate of $1,312 per year, and the highest-cost model and trim is the Jeep Wrangler Unlimited Sahara Winter 4WD at an average of $1,836 per year.

The next two rate tables illustrate the expected annual car insurance cost by trim level for both 2017 models, plus the average rate for each model. The 2017 Toyota Tacoma comes out on top over the 2017 Jeep Wrangler for the cheapest overall car insurance rates.

2016 Jeep Wrangler vs Toyota Tacoma

When comparing insurance cost for the 2016 Jeep Wrangler and Toyota Tacoma models, the Toyota Tacoma is cheaper to insure by an average of $4 per year for this model year.

The rate chart below displays the average cost to insure both 2016 models using drivers aged 20 to 50. Average car insurance cost ranges from $1,266 to $2,892 per year for a 2016 Jeep Wrangler, and $1,250 to $2,832 for a 2016 Toyota Tacoma for the example age groups.

For the seven trim levels available for the 2016 Jeep Wrangler, the cheapest trim to insure is the Sport 4WD trim at an average cost of $1,104 per year, or about $92 per month.

For the 17 trims available for the Toyota Tacoma, the cheapest 2016 model to insure is the Access Cab SR 2WD model at a cost of $1,260 per year, or about $105 per month.

When rates are compared for the 24 trim levels of both 2016 models, the overall cheapest vehicle to insure is the Jeep Wrangler Sport 4WD at an average cost of $1,104 per year, and the most expensive trim is the Jeep Wrangler Unlimited Rubicon 4WD at an average cost of $1,654 per year.

The tables shown below display the average cost to insure each trim level for a 2016 Jeep Wrangler and Toyota Tacoma, plus the average rate for each model.

2015 Jeep Wrangler vs Toyota Tacoma

When comparing car insurance rates for 2015 models, a Jeep Wrangler costs an average of $1,346 per year to insure and a Toyota Tacoma costs $1,242, making the Toyota Tacoma cheaper to insure by $104 per year for this comparison year.

The chart shown below illustrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $1,212 to $2,762 per year for a 2015 Jeep Wrangler, and $1,114 to $2,506 for a 2015 Toyota Tacoma for the included age groups.

Out of six trim levels for the 2015 Jeep Wrangler, the cheapest average car insurance prices are on the Sport 4WD model at a cost of $1,060 per year. For the 13 trim levels available for the Toyota Tacoma, the cheapest 2015 trim to insure is the Access Cab 2WD trim at a cost of $1,092 per year, or about $91 per month.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Jeep Wrangler Sport 4WD at an average rate of $1,060 per year. The overall most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD at a cost of $1,604 per year.

The tables shown below illustrate the average insurance cost by trim level for both 2015 models, as well as an average rate for each model. The cheapest to insure for the 2015 model year is the Toyota Tacoma.

Additional Jeep Wrangler and Toyota Tacoma Resources

• Jeep Wrangler Insurance Rates
• Toyota Tacoma Insurance Rates
• Midsize SUV Insurance Cost Comparisons
• Midsize Truck Insurance Rate Comparisons