- Jeep Wrangler insurance prices average $2,008 per year, or about $167 per month, ranging from the Wrangler Sport 2-Door trim level at $1,822 per year up to the Rubicon 392 at $2,216 per year.
- The 2023 Wrangler ranks 26th out of 31 vehicles in the midsize sport utility vehicle segment for insurance affordability.
- In a comparison of larger companies, USAA, GEICO, and Progressive had the best insurance prices on a 2023 Wrangler.
- Larger policy discounts can help you save anywhere from $104 to $281 per year on Wrangler insurance.
How much does Jeep Wrangler insurance cost?
2023 Jeep Wrangler insurance costs an average of $2,008 a year, or $167 each month. When compared to other 2023 model-year midsize SUVs, expect to pay around $238 more each year to insure a Jeep Wrangler over the segment average rate.
When compared to all 2023 vehicles, not just midsize sport utility vehicles, insurance for a Jeep Wrangler averages $60 more than the average rate of $1,948 per year.
Two factors that really impact the cost of Wrangler insurance are the age of the driver and the policy deductibles for physical damage coverage (comprehensive and collision).
The following chart illustrates how these two factors affect 2023 Jeep Wrangler insurance rates.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
As shown in the chart, rates for a 20-year-old driver are much higher than other age groups. Younger drivers pay higher car insurance rates on any vehicle, not just the Jeep Wrangler.
Insurance rates for teen drivers on a Jeep Wrangler are even higher. An 18-year-old male driver rated on a 2023 Wrangler average $6,568 per year, and rates for a 16-year-old driver average an astonishing $7,664 per year.
There are ways to save money when insuring younger drivers on a Wrangler, however. Older models cost less to insure, and raising deductibles is another way to save. As a last resort, you can consider dropping full coverage altogether and insuring with just liability insurance.
The following table shows the average insurance rates for a Jeep Wrangler from the 2013 model year up to the 2023 model year.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2023 Jeep Wrangler||$2,008||$1,004||$167|
|2022 Jeep Wrangler||$1,954||$977||$163|
|2021 Jeep Wrangler||$1,908||$954||$159|
|2020 Jeep Wrangler||$1,868||$934||$156|
|2019 Jeep Wrangler||$1,794||$897||$150|
|2018 Jeep Wrangler||$1,686||$843||$141|
|2017 Jeep Wrangler||$1,658||$829||$138|
|2016 Jeep Wrangler||$1,490||$745||$124|
|2015 Jeep Wrangler||$1,428||$714||$119|
|2014 Jeep Wrangler||$1,340||$670||$112|
|2013 Jeep Wrangler||$1,290||$645||$108|
The rates in the table make a couple of assumptions. First, average rates are determined by using a 40-year-old male driver with a good driving record. Second, physical damage deductibles are $500. Different driver ages will change rates, as will lower or higher deductibles. We touched on that in the first chart.
Other factors that will influence car insurance rates include having a speeding ticket or two, any prior at-fault accidents, the exact model of Wrangler you’re insuring, where you live, the company you use, and even your credit level in some states.
The list below details some of the factors and situations that can impact the rate you pay for Wrangler insurance.
- The older you are, the lower your insurance rates are. The difference in insurance rates for a Jeep Wrangler between a 60-year-old driver ($1,802 per year) and a 30-year-old driver ($2,088 per year) is $286, or a savings of 14.7%.
- Be a safe driver and save on insurance. Too frequent at-fault accidents can raise rates, possibly by an additional $954 per year for a 30-year-old driver and even as much as $674 per year for a 60-year-old driver.
- Improve your credit to save money. In states that have insurance regulations that allow a driver’s credit information to be used as a rating factor, insureds with excellent credit scores of 800+ could save as much as $315 per year when compared to a lower credit score of 670-739. Conversely, a poor credit score could cost up to $365 more per year.
- Get a discount from your employer. Just about all auto insurance companies offer policy discounts for being employed in professions like doctors, scientists, law enforcement, members of the military, nurses, and other occupations. If you qualify for this occupational discount, you may save between $60 and $183 on your annual insurance cost, depending on the age of the driver.
- Obey the law to get lower insurance rates. If you want the most economical Wrangler insurance rates, it pays off to be a safe driver. A few minor traffic violations have the consequence of raising insurance costs by at least $548 per year. Serious infractions such as DWI and driving without insurance could raise rates by an additional $1,916 or more.
- Higher deductibles lower insurance costs. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $262 per year for a 40-year-old driver and $522 per year for a 20-year-old driver.
- Decreasing deductibles cost more money. Cutting your deductibles from $500 to $250 could cost an additional $274 per year for a 40-year-old driver and $550 per year for a 20-year-old driver.
- Qualify for policy discounts to lower auto insurance costs. Discounts may be available if the policyholder drives a vehicle with safety or anti-theft features, is a senior citizen, is a good student, is a member of the military or a federal employee, or other policy discounts which could save the average driver as much as $350 per year on their insurance cost.
Jeep Wrangler insurance rates by trim level
With Jeep Wrangler car insurance cost ranging from $1,822 to $2,216 annually on average, the cheapest model to insure is the Sport 2-Door. The second cheapest trim level to insure is the Willys Sport 2-Door at $1,882 per year.
Expect to budget at least $152 per month to insure a Wrangler for full coverage since average Jeep Wrangler insurance cost per month ranges from $152 to $185 depending on the trim level.
The Jeep Wrangler models with the most expensive insurance rates are the Rubicon 392 at $2,216 and the High Altitude 4xe at $2,142 per year. Those will cost an extra $394 and $320 per year, respectively, over the least expensive Sport 2-Door model.
In most instances, as vehicle cost increases as feature packages are added, the cost of insurance coverage also increases. The Wrangler follows this generality pretty closely, with the more expensive models being the most expensive to insure.
The table below shows average insurance rates for trim levels and options available on the 2023 Jeep Wrangler. Rates are shown for both annual and semi-annual policy terms.
|Jeep Wrangler Trim Level||Annual Policy||Six-Month Policy||Per Month|
|Willys Sport 2-Door||$1,882||$941||$157|
|Sport S 2-Door||$1,886||$943||$157|
|Willys Sport 4-Door||$1,940||$970||$162|
|Sport S 4-Door||$1,940||$970||$162|
|High Altitude 4xe||$2,142||$1,071||$179|
How does Wrangler insurance compare?
The Jeep Wrangler ranks 26th out of 31 total vehicles in the 2023 midsize SUV segment. The Wrangler costs an average of $2,008 per year for insurance and the category average is $1,770 annually, a difference of $238 per year.
When compared to the most popular models in the midsize SUV category, insurance for a Jeep Wrangler costs $466 more per year than the Ford Explorer, is $312 more than the Toyota 4Runner, costs $82 more than the Jeep Grand Cherokee, and is $6 less per year than the Ford Bronco.
The chart below shows how Wrangler insurance rates compare to the top ten best-selling midsize SUVs for the 2023 model year. Additionally, you can also view a larger table after the chart breaking down insurance rate rankings for every vehicle in the 2023 midsize SUV segment.
|Rank||Make and Model||Insurance Cost||Difference|
|8||Volkswagen Atlas Cross Sport||$1,616||-$392|
|2023 Midsize SUV Average||$1,770||-$238|
|19||Mitsubishi Outlander Sport||$1,790||-$218|
|23||Hyundai Santa Fe||$1,858||-$150|
|24||Jeep Grand Cherokee||$1,926||-$82|
|28||Tesla Model Y||$2,026||$18|
|29||Mitsubishi Outlander PHEV||$2,072||$64|
The table above shows how the insurance cost for a 2023 Jeep Wrangler compares to all other midsize sport utility vehicles for the same model year.
The ‘Difference’ column shows the average insurance price difference between each model and the Wrangler. Green values indicate a cheaper insurance price for that specific model when compared to the Wrangler, while red values indicate a higher average rate.
Comparison of purchase price to insurance cost
Another useful way to compare insurance rates between the Wrangler and other midsize SUV models is to factor in the MSRP for each model. When shopping for a new vehicle, knowing how insurance rates differ between similarly-priced vehicles can save a considerable amount over the life of a vehicle.
For the 2023 model, the average MSRP for a Jeep Wrangler is $46,558, before destination and documentation fees.
The other vehicles in the midsize SUV segment that have the most similar cost to the Jeep Wrangler are the Kia Telluride, Mitsubishi Outlander PHEV, Chevrolet Traverse, and Honda Pilot.
Here’s how they compare to the Jeep Wrangler by MSRP and the average cost of insurance.
- Compared to the Kia Telluride – The 2023 Kia Telluride has an average sticker price of $45,976, ranging from $35,690 to $52,785, which is $582 cheaper than the average cost for the Jeep Wrangler. Full-coverage insurance for the Kia Telluride costs an average of $210 less each year than the Jeep Wrangler.
- Compared to the Mitsubishi Outlander PHEV – With an average price of $45,537 ($39,845 to $49,995), the Mitsubishi Outlander PHEV costs $1,021 less than the average MSRP for the Jeep Wrangler. Full-coverage car insurance on the Mitsubishi Outlander PHEV costs an average of $64 more per year than the Jeep Wrangler.
- Compared to the Chevrolet Traverse – With an average price of $45,370 ($35,915 to $55,595), the 2023 Chevrolet Traverse costs $1,188 less than the average sticker price for the Jeep Wrangler. Drivers can expect to pay an average of $278 less every 12 months for insurance on the Chevrolet Traverse compared to a Wrangler.
- Compared to the Honda Pilot – With an average price of $45,223 and ranging from $39,150 to $52,030, the Honda Pilot costs $1,336 less than the average cost for the Jeep Wrangler. Car insurance for the Honda Pilot costs an average of $266 less annually than the Jeep Wrangler.
For additional car insurance rate comparisons, see our full comparison index which includes many more makes and models.
Best insurance for a Jeep Wrangler
In a comparison of some of the larger insurance companies, we found that USAA had the cheapest overall insurance rates on a 2023 Jeep Wrangler at $1,665 per year. GEICO and Progressive came in second and third at $1,713 and $1,787, respectively.
Travelers, State Farm, and Safeco were slightly more expensive than the top three companies in the comparison.
USAA is well-known for having very good car insurance rates. However, if you’re not a veteran or active military, you’re out of luck, as they don’t sell to just anyone.
|Insurance Company||Average Annual Rate||Cost Per Month|
This is obviously a very small comparison, and there are many other companies to choose from. We focused on companies that offer coverage nationwide for this comparison.
Other companies that offer coverage in most states include Allstate, Farmers, Nationwide, and Liberty Mutual. Companies that offer coverage in some states but not all include Erie Insurance, Auto-Owners, Westfield, and American Family.
We recommend comparing rates between at least five different car insurance companies in order to find the best rates. Include several major companies (Progressive, State Farm, GEICO, etc.) as well as smaller companies in your area.
If discount Jeep Wrangler insurance is your top priority, you’ll want to compare rates with not only the larger carriers but some of the smaller companies as well. The more apples-to-apples price quotes you get, the better chance you’ll have of finding cheap insurance on your Wrangler.
If the cheapest price isn’t your top priority, but rather customer service or claims handling, you’ll want to do a little research into customer satisfaction ratings like those performed annually by J.D. Power. They rate companies by region and state so users can see how companies rate. This is a great way to find some of the smaller, lesser-known companies in your area.
How to get discount Jeep Wrangler insurance
Discounts are a great way to reduce the cost of car insurance. Chances are you won’t qualify for every discount offered by most companies, but even if you can earn one or two of the larger discounts, it can save a lot on your premiums.
The table below shows ten of the top discounts to look for when insuring a 2023 Jeep Wrangler and the average savings offered by each discount.
|Policy Discount||Larger Companies that Offer this Discount||Average Savings|
|Good Driver Savings of 10% to 30%||Allstate, American Family, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers||$281|
|Multi-Policy Bundling Savings of 1% to 17%||Allstate, American Family, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA||$221|
|Usage-based Save up to 30%||Allstate, American Family, Esurance, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, Safeco, State Farm, Travelers, USAA||$187|
|Safety Features Savings of 3% to 20%||American Family, Farmers, GEICO, Liberty Mutual, State Farm||$159|
|Defensive Driving Savings of 5% to 10%||AAA, Allstate, American Family, Farmers, GEICO, Liberty Mutual, Nationwide, State Farm, Travelers, USAA||$151|
|Military Savings of 5% to 15%||Alfa, American Family, Direct General, Farmers, GEICO, Liberty Mutual, Shelter, USAA||$141|
|Pay in Full Savings of 5% to 10%||Allstate, Nationwide, Progressive, State Farm, Travelers||$127|
|Multiple Vehicles Savings of 4% to 15%||Allstate, Farmers, GEICO, Liberty Mutual, Nationwide, State Farm, Progressive, Travelers, USAA||$120|
|Student Away at School Savings of 4% to 25%||Allstate, American Family, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA||$116|
|Good Student Savings of 3% to 20%||Allstate, American Family, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA||$104|
Other discounts like driver’s education, early signing, homeowner, customer loyalty, and paperless billing may be offered as well. Those are generally smaller discounts but every little bit can help you get cheaper Wrangler insurance.
Many discounts will be applied automatically. For example, if you have a clean driving record and are claim-free, you’ll already qualify for a good driver discount with most companies. They pull your MVR report and claim reports upon application, so they know if you have any prior violations or claims (so be honest about these on your application).
However, some discounts may require you to follow up with some paperwork proving your eligibility. Examples of these discounts include driver’s education, having a student with good grades, or being a member of a professional organization (that’s another discount to check for).
Many occupations like medical professionals, first responders, teachers, and pilots can earn discounts on car insurance. If you qualify, you could save anywhere from $60 to $241 per year when insuring your 2023 Jeep Wrangler.
Another thing to mention is that you can’t necessarily stack all the discounts and receive what amounts to free car insurance. It doesn’t quite work that way as companies place a limit on the number of discounts that will apply. But if you do qualify for multiple discounts, that will go a long way to cutting the cost of insurance on your Jeep Wrangler.