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Jeep Wrangler insurance rates

Wheeling in a Wrangler? Insurance costs $143 on average, but quotes vary wildly by company.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Jeep Wrangler is $142.94 — or $1,715.28 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Jeep Wrangler$99.74$83.36$136.82$220.48$135.10
2016 Jeep Wrangler$100.24$94.02$153.77$167.82$128.96
2021 Jeep Wrangler$112.74$106.06$204.48$148.48$142.94

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
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How to compare insurance for the Jeep Wrangler

Shopping for auto insurance is a necessary evil of vehicle ownership — 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?

Most insurance companies can offer coverage for your Wrangler, so it’s a matter of finding the best policy and price for your situation. Insurers determine the insurance cost for your vehicle based on safety ratings, theft rates, replacement costs and damage susceptibility.

  • 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. 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

The Wrangler is designed to perform well on and off the road, and it comes equipped with features that can prevent accidents or lessen the blows. Those features include:

  • Airbags
  • Antilock brakes
  • Antitheft 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
  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount — airbags, motorized seat belts, etc.
  • Emergency roadside assistance discount

Jeep Wrangler safety and reliability ratings

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.

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 US News and JD 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.

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 five-year/60,000-mile powertrain warranty, which covers issues due to defective parts and service. On top of that, the Wrangler also comes with five years of corrosion protection and five 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.

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.

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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Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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