Jeep Wrangler Insurance Cost for 2022

• Jeep Wrangler insurance costs around $1,732 per year, $866 for a 6-month policy, or $144 per month.
• Drivers can find the cheapest insurance on the Wrangler Sport 2-Door trim level at $1,582 per year.
• The Wrangler Rubicon 392 has the highest rates at $1,916 per year.
• The Wrangler ranks #46 out of 46 vehicles in the small SUV class for insurance affordability.

How much does Jeep Wrangler insurance cost?

Jeep Wrangler car insurance costs an average of $1,732 a year, or $144 each month. Overall, expect to pay approximately $316 more each year to insure a Jeep Wrangler compared to similar vehicles, and $181 more per year than the all-vehicle national average of $1,551.

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

The prior chart presents just a small fraction of the total number of possible Jeep Wrangler insurance rates. If we plotted all rates for every conceivable risk profile, including all 19 Wrangler models and all 41,000+ zip codes in the U.S., the chart would display around 1,838,592,000,000 bars. We’re not sure, but that may break the internet so we’ll keep it at just 15 bars for the time being.

To give you a better understanding of the vast range of Wrangler insurance rates, think about the fact that buying a policy with only liability coverage in the cheapest areas of Virginia or Wisconsin may cost as little as $245 a year, while a newly-licensed teen driver with a couple of driving violations in some zip codes in Detroit, MI, could get an insurance bill for $35,564 a year for full coverage.

The following table shows average insurance cost for a Jeep Wranger for the 2013 to 2022 model years.

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 ($1,558 per year) and a 30-year-old driver ($1,800 per year) is $242, or a savings of 13.4%.
• Be a safe driver and save on insurance. Too frequent at-fault accidents can raise rates, possibly by an additional $826 per year for a 30-year-old driver and even as much as $584 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 $272 per year when compared to a lower credit score of 670-739. Conversely, a poor credit score could cost up to $315 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 $52 and $158 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 consequences of raising insurance cost by at least $472 per year. Serious infractions such as DWI and driving without insurance could raise rates by an additional $1,656 or more.
• Increasing deductibles lowers insurance cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $224 per year for a 40-year-old driver and $448 per year for a 20-year-old driver.
• Decreasing deductibles costs more money. Cutting your deductibles from $500 to $250 could cost an additional $236 per year for a 40-year-old driver and $474 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 $300 per year on their insurance cost.

Which Jeep Wrangler insurance rates are cheapest?

With Jeep Wrangler car insurance cost ranging from $1,582 to $1,916 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 $1,620 per year.

Expect to budget at least $132 per month to insure a Wrangler for full coverage since average Jeep Wrangler insurance cost per month ranges from $132 to $160 depending on the trim level.

The Jeep Wrangler models with the most expensive insurance rates are the Rubicon 392 at $1,916 and the High Altitude 4xe at $1,852 per year. Those will cost an extra $334 and $270 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 Wranger 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 2022 Jeep Wrangler. Rates are shown for both annual and semi-annual policy terms.

How does Wrangler insurance compare?

The Jeep Wrangler ranks #46 out of 46 total vehicles in the 2022 small SUV segment. The Wrangler costs an average of $1,732 per year for insurance and the category average is $1,416 annually, a difference of $316 per year.

When compared to the most popular models in the small SUV category, insurance for a Jeep Wrangler costs $302 more per year than the Toyota RAV4, is $406 more than the Honda CR-V, costs $316 more than the Chevrolet Equinox, and is $250 more than the Nissan Rogue.

Even though the Wrangler is not exactly an apples-to-apples comparison to some of these small grocery-getter SUVs, it gets lumped into the group for comparison sakes.

The chart below shows how Wrangler insurance rates compare to the rest of the top 10 best-selling small SUVs for the 2022 model year. Additionally, you can also view a larger table after the chart breaking down insurance rate rankings for every vehicle in the small SUV segment.

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 2022 model, the average cost to buy a Jeep Wrangler is $43,013, before destination and documentation fees.

The other vehicles in the compact SUV segment that have the most similar cost to the Jeep Wrangler are the Volkswagen ID4, Ford Bronco, Hyundai Ioniq 5, and Buick Envision.

Here’s how they compare to the Jeep Wrangler by MSRP and average cost of insurance.

• Compared to the Volkswagen ID4 – The 2022 Volkswagen ID4 has an average sticker price of $43,010, ranging from $40,760 to $45,260, which is $3 cheaper than the average cost for the Jeep Wrangler. Full-coverage insurance for the Volkswagen ID4 costs an average of $190 less each year than the Jeep Wrangler.
• Compared to the Ford Bronco – With an average price of $40,594 ($28,165 to $68,500), the Ford Bronco costs $2,419 less than the average MSRP for the Jeep Wrangler. Full-coverage car insurance on the Ford Bronco costs an average of $212 less per year than the Jeep Wrangler.
• Compared to the Hyundai Ioniq 5 – With an average price of $46,717 ($43,650 to $50,600), the 2022 Hyundai Ioniq 5 costs $3,704 more than the average sticker price for the Jeep Wrangler. Drivers can expect to pay an average of $230 less every 12 months for insurance on the Hyundai Ioniq 5 compared to a Wrangler.
• Compared to the Buick Envision – With an average price of $38,062 and ranging from $32,695 to $42,845, the Buick Envision costs $4,951 less than the average cost for the Jeep Wrangler. Car insurance for the Buick Envision costs an average of $444 less annually than the Jeep Wrangler.

How much does Wrangler insurance cost where I live?

The cost of insurance for a Jeep Wrangler can range widely, from cheaper premiums like $1,310 a year in Columbus, OH, or $1,088 in Raleigh, NC, to high rates like $3,372 a year in Miami, FL, and $2,908 in Philadelphia, PA.

Jeep Wrangler insurance rates in some other cities include Dallas, TX, at $1,864 per year, Tulsa, OK, at an estimated $2,216, Nashville, TN, averaging $1,772, and Fresno, CA, costing $2,074.

The following chart ranks average car insurance premiums for a 2022 Jeep Wrangler in the biggest cities in America. The estimated costs range from $1,310 per year in Columbus, OH, to $3,290 for car insurance in NYC, a difference of $1,980.

Average Jeep Wrangler insurance rates by U.S. state

When looking at average Jeep Wrangler rates from the state level, states like Maine ($1,208), Virginia ($1,126), and Idaho ($1,378) have cheaper insurance costs, while states like New York ($1,854), Louisiana ($2,526), and Michigan ($2,780) have expensive car insurance rates.

Jeep Wrangler insurance prices in most states are closer to average, with states like Wyoming, Minnesota, and New Jersey included in this group with average Jeep Wrangler insurance rates of $1,600, $1,532, and $1,644 per year, respectively.