Jeep Wrangler Insurance Cost for 2023

How much will it cost to insure a Jeep Wrangler?

From the Sport 2-Door model up to the Rubicon 392 trim, we scrutinized insurance rates for the 2023 Wrangler to see how average insurance cost measures up to the midsize SUV segment.

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  • Jeep Wrangler insurance costs around $1,952 per year, $976 for a 6-month policy, or $163 per month.
  • Drivers can find the cheapest insurance on the Wrangler Sport 2-Door trim level at $1,772 per year.
  • The Wrangler Rubicon 392 has the highest rates at $2,156 per year.
  • The Wrangler ranks 26th out of 31 vehicles in the midsize SUV class for insurance affordability.

How much does Jeep Wrangler insurance cost?

Jeep Wrangler car insurance costs an average of $1,952 a year, or $163 each month. Overall, expect to pay approximately $228 more each year to insure a Jeep Wrangler compared to similar vehicles, and $267 more per year than the all-vehicle national average of $1,685.

The following chart illustrates how Jeep Wrangler car insurance rates change with changes in driver age and the policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Jeep Wrangler with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Jeep Wrangler trim levels.Data last updated on January 23, 2023
Jeep Wrangler Insurance Rate Summary
2023 Jeep Wrangler Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,432$286
$500$3,938$328
$250$4,478$373
30$1,000$1,754$146
$500$2,032$169
$250$2,326$194
40$1,000$1,698$142
$500$1,952$163
$250$2,220$185
50$1,000$1,558$130
$500$1,788$149
$250$2,030$169
60$1,000$1,532$128
$500$1,758$147
$250$1,996$166

The following table shows average insurance cost for a Jeep Wrangler for the 2013 to 2023 model years.

Jeep Wrangler Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Jeep Wrangler$1,952$976$163
2022 Jeep Wrangler$1,904$952$159
2021 Jeep Wrangler$1,860$930$155
2020 Jeep Wrangler$1,818$909$152
2019 Jeep Wrangler$1,750$875$146
2018 Jeep Wrangler$1,646$823$137
2017 Jeep Wrangler$1,612$806$134
2016 Jeep Wrangler$1,450$725$121
2015 Jeep Wrangler$1,390$695$116
2014 Jeep Wrangler$1,306$653$109
2013 Jeep Wrangler$1,260$630$105

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Jeep Wrangler Insurance Rates by Model Year

Some other key data observations about Jeep Wrangler car insurance include:

  • 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 ($1,758 per year) and a 30-year-old driver ($2,032 per year) is $274, or a savings of 13.5%.
  • Be a safe driver and save on insurance. Too frequent at-fault accidents can raise rates, possibly by an additional $936 per year for a 30-year-old driver and even as much as $662 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 rate-generating factor, insureds with excellent credit scores of 800+ can possibly save as much as $306 per year when compared to a lower credit score of 670-739. Conversely, a poor credit score could cost up to $355 more per year.
  • Get a discount from your employment. Just about all auto insurance companies offer policy discounts for being employed in professions like doctors, scientists, police officers and law enforcement, members of the military, nurses, and other occupations. If you qualify for this occupational discount, you may save between $59 and $178 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 $540 per year. Serious infractions such as DWI and driving without insurance could raise rates by an additional $1,870 or more.
  • Increasing deductibles lowers insurance cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $254 per year for a 40-year-old driver and $506 per year for a 20-year-old driver.
  • Decreasing deductibles costs more money. Cutting your deductibles from $500 to $250 could cost an additional $268 per year for a 40-year-old driver and $540 per year for a 20-year-old driver.
  • Qualify for policy discounts to lower auto insurance cost. 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 many other policy discounts which could save the average driver as much as $334 per year on their insurance cost.

Which Jeep Wrangler insurance rates are the cheapest?

With Jeep Wrangler car insurance cost ranging from $1,772 to $2,156 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 $1,832 per year.

Expect to budget at least $148 per month to insure a Wrangler for full coverage since average Jeep Wrangler insurance cost per month ranges from $148 to $180 depending on the trim level.

The Jeep Wrangler models with the most expensive insurance rates are the Rubicon 392 at $2,156 and the High Altitude 4xe at $2,084 per year. Those will cost an extra $384 and $312 per year, respectively, over the least expensive Sport 2-Door model.

In most instances, as vehicle cost expands as add-on 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.

2023 Jeep Wrangler Insurance Cost by Trim Level
Jeep Wrangler Trim Level Annual Policy Six-Month Policy Per Month
Sport 2-Door$1,772$886$148
Willys Sport 2-Door$1,832$916$153
Sport S 2-Door$1,836$918$153
Sport 4-Door$1,848$924$154
Freedom 2-Door$1,878$939$157
Willys Sport 4-Door$1,890$945$158
Sport S 4-Door$1,890$945$158
Willys 2-Door$1,890$945$158
Sport Altitude$1,930$965$161
Freedom 4-Door$1,934$967$161
Willys 4-Door$1,938$969$162
Rubicon 2-Door$1,944$972$162
Sahara$1,970$985$164
Sport RHD$1,982$991$165
Rubicon 4-Door$1,988$994$166
Sahara Altitude$2,010$1,005$168
Willys 4xe$2,036$1,018$170
High Altitude$2,040$1,020$170
Sahara 4xe$2,050$1,025$171
Rubicon 4xe$2,076$1,038$173
High Altitude 4xe$2,084$1,042$174
Rubicon 392$2,156$1,078$180

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Jeep Wrangler, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Jeep Wrangler Insurance Cost by Trim Level

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 $1,952 per year for insurance and the category average is $1,724 annually, a difference of $228 per year.

When compared to the most popular models in the midsize SUV category, insurance for a Jeep Wrangler costs $448 more per year than the Ford Explorer, is $298 more than the Toyota 4Runner, costs $76 more than the Jeep Grand Cherokee, and is $10 less per year than the Ford Bronco.

The chart below shows how Wrangler insurance rates compare to the rest of the top 10 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 midsize SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Jeep Wrangler, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Jeep Wrangler trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Jeep Wrangler vs Top 10 Small SUVs Insurance Cost Comparison
Jeep Wrangler Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,368-$584
2Subaru Ascent$1,434-$518
3Ford Edge$1,494-$458
4Ford Explorer$1,504-$448
5Volkswagen Atlas$1,506-$446
6Nissan Murano$1,516-$436
7Subaru Outback$1,518-$434
8Volkswagen Atlas Cross Sport$1,576-$376
9Toyota Venza$1,608-$344
10Kia Sorento$1,618-$334
11Hyundai Palisade$1,638-$314
12Toyota 4Runner$1,654-$298
13GMC Acadia$1,682-$270
14Chevrolet Traverse$1,684-$268
15Honda Pilot$1,696-$256
16Buick Enclave$1,702-$250
17Nissan Pathfinder$1,712-$240
18Mazda CX-9$1,720-$232
19Mitsubishi Outlander Sport$1,744-$208
20Kia Telluride$1,754-$198
21Toyota Highlander$1,762-$190
22Chevrolet Blazer$1,786-$166
23Hyundai Santa Fe$1,810-$142
24Jeep Grand Cherokee$1,876-$76
25Jeep Cherokee$1,914-$38
26Jeep Wrangler$1,952--
27Ford Bronco$1,962$10
28Tesla Model Y$1,970$18
29Mitsubishi Outlander PHEV$2,018$66
30Dodge Durango$2,102$150
31Rivian R1S$2,160$208

Another useful way to compare insurance rates between the Wrangler and other compact 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 cost to buy 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 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 $198 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 $66 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 $268 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 $256 less annually than the Jeep Wrangler.

For additional car insurance rate comparisons, see our full comparison index which includes many more makes and models.

Wrangler insurance cost by location

The cost of insurance for a Jeep Wrangler can range widely, from cheaper premiums like $1,448 a year in Columbus, OH, or $1,224 in Raleigh, NC, to high rates like $2,816 a year in Miami, FL, and $3,056 in Philadelphia, PA.

Jeep Wrangler insurance rates in some other cities include Dallas, TX, at $2,004 per year, Tulsa, OK, at an estimated $2,356, Nashville, TN, averaging $1,912, and Fresno, CA, costing $2,218.

The following chart ranks average car insurance premiums for a 2023 Jeep Wrangler in some of the biggest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Jeep Wrangler, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Jeep Wrangler trim levels.Data last updated on January 23, 2023
Jeep Wrangler Insurance Rates in Large U.S. Cities
Jeep Wrangler Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,442$287
Philadelphia, PA$3,056$255
Las Vegas, NV$3,046$254
Los Angeles, CA$3,040$253
San Francisco, CA$2,630$219
Kansas City, MO$2,342$195
Oklahoma City, OK$2,342$195
Denver, CO$2,298$192
Memphis, TN$2,298$192
Atlanta, GA$2,266$189
San Jose, CA$2,202$184
Phoenix, AZ$2,144$179
Portland, OR$2,118$177
San Diego, CA$2,104$175
Boston, MA$2,098$175
Jacksonville, FL$2,094$175
Chicago, IL$2,036$170
Dallas, TX$2,004$167
Houston, TX$1,994$166
Seattle, WA$1,988$166
Nashville, TN$1,912$159
Milwaukee, WI$1,900$158
Albuquerque, NM$1,864$155
San Antonio, TX$1,810$151
Omaha, NE$1,754$146
Fort Worth, TX$1,750$146
Austin, TX$1,726$144
Indianapolis, IN$1,576$131
Columbus, OH$1,448$121
Charlotte, NC$1,386$116

Average Jeep Wrangler insurance rates by U.S. state

When looking at average Jeep Wrangler rates from the state level, states like Virginia ($1,298), Maine ($1,176), and North Carolina ($1,220) have cheaper insurance costs, while states like California ($2,362), Florida ($2,432), and Rhode Island ($2,422) have expensive car insurance rates.

Jeep Wrangler insurance prices in most states are closer to average, with states like Alabama, Texas, and Arizona included in this group with average Jeep Wrangler insurance rates of $1,758, $1,814, and $1,790 per year, respectively.

Jeep Wrangler Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,758$879$147
Alaska$1,482$741$124
Arizona$1,790$895$149
Arkansas$2,044$1,022$170
California$2,362$1,181$197
Colorado$2,098$1,049$175
Connecticut$2,178$1,089$182
Delaware$2,222$1,111$185
Florida$2,432$1,216$203
Georgia$1,996$998$166
Hawaii$1,332$666$111
Idaho$1,394$697$116
Illinois$1,712$856$143
Indiana$1,460$730$122
Iowa$1,306$653$109
Kansas$1,922$961$160
Kentucky$2,094$1,047$175
Louisiana$2,324$1,162$194
Maine$1,176$588$98
Maryland$1,816$908$151
Massachusetts$2,128$1,064$177
Michigan$2,668$1,334$222
Minnesota$1,676$838$140
Mississippi$1,906$953$159
Missouri$2,204$1,102$184
Montana$1,792$896$149
Nebraska$1,630$815$136
Nevada$2,336$1,168$195
New Hampshire$1,308$654$109
New Jersey$2,366$1,183$197
New Mexico$1,606$803$134
New York$2,262$1,131$189
North Carolina$1,220$610$102
North Dakota$1,616$808$135
Ohio$1,364$682$114
Oklahoma$2,156$1,078$180
Oregon$1,824$912$152
Pennsylvania$1,878$939$157
Rhode Island$2,422$1,211$202
South Carolina$1,636$818$136
South Dakota$2,008$1,004$167
Tennessee$1,858$929$155
Texas$1,814$907$151
Utah$1,710$855$143
Vermont$1,420$710$118
Virginia$1,298$649$108
Washington$1,762$881$147
West Virginia$1,742$871$145
Wisconsin$1,394$697$116
Wyoming$1,736$868$145

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Jeep Wrangler, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Jeep Wrangler trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on February 5, 2023
Jeep Wrangler insurance rates by U.S. state