Jeep Wrangler Car Insurance

Jeep Wrangler Car Insurance Cost

The Wrangler is unsurpassed in terms of off-road prowess, but how much does insurance for a Jeep Wrangler cost? We compared the current insurance rates to see how it compares to the competition.

Insurance for a Jeep Wrangler runs about $1744 annually, $891 for a 6-month policy, or $147 monthly. A Jeep Wrangler's insurance costs should be about $333 higher annually than comparable cars and $187 higher annually than the $1557 national average for all vehicles.

Consider that purchasing a policy with only liability coverage in the least expensive regions of Virginia or Wisconsin may cost as little as $245 a year. At the same time, a newly licensed teen driver with a few moving violations in some zip codes in Detroit, MI, could receive an insurance bill for full coverage of $35,564 a year. This will help you better understand the wide range of Wrangler insurance rates.

Compare Jeep Wrangler insurance rates from top companies. Use Way.com to obtain the best quotation for your driving profile and car. This page can help you determine Jeep Wrangler insurance rates. Use our free online tool to compare Jeep Wrangler insurance quotes from top companies.

Are Jeep Wranglers Expensive to Insure?

Compared to the most popular small SUVs, insurance for a Jeep Wrangler is $306 more expensive annually than a Toyota RAV4, $410 more expensive than a Honda CR-V, $322 more expensive than a Chevrolet Equinox, and $254 more expensive than a Nissan Rogue.

The Wrangler is included in the group for comparison purposes even though it is not an apples-to-apples comparison to some of these compact grocery-getter SUVs.

What Impacts the Cost of Jeep Wrangler Car Insurance?

Age of the Car

The age of your Jeep Wrangler Sport is one of the key determinants of your insurance quote.

Place of Residence

Insuring a Jeep Wrangler can cost anywhere from as little as $1,310 per year in Columbus, Ohio, or $1,088 in Raleigh, North Carolina, to as much as $3,372 per year in Miami, Florida, and $2,908 in Philadelphia, Pennsylvania. Other cities with cheaper Jeep Wrangler insurance rates include Dallas, Texas ($1,864), Tulsa, Oklahoma ($2,216), Nashville, Tennessee ($1,772), and Fresno, California ($2,074).

Following is a ranking of the most expensive American cities' average car insurance rates for a 2022 Jeep Wrangler. For car insurance, the predicted costs range from $1,310 per year in Columbus, Ohio, to $3,290 in NYC, a $1,980 difference.

In comparison to other states, Maine ($1,208), Virginia ($1,126), and Idaho ($1,378) have lower average Jeep Wrangler insurance rates, whereas New York ($1,854), Louisiana ($2,526), and Michigan ($2,780) have higher average insurance costs.

Most states have Jeep Wrangler insurance costs closer to the national average; among them are Wyoming, Minnesota, and New Jersey, where the typical rates are $1,600, $1,532, and $1,644 annually.

Ways to Save on Jeep Wrangler Car Insurance

Age plays an important role: Your insurance rates decline as you age.

Drive carefully: Drive carefully to reduce your insurance costs. Too many at-fault incidents can increase premiums, possibly by $834 more per year for a motorist under 30 and even up to $588 more for a driver over 60.

Improve Your Credit Score: To save money, raise your credit score. For example, insurance customers with great credit scores of 800+ might save as much as $274 annually compared to those with lower credit scores of 670-739 in areas where insurance regulations permit the inclusion of a driver's credit information as a rate-producing factor. On the other hand, a low credit score may increase annual costs by up to $318.

Occupational Discount: Receive a salary reduction from your job. Almost all auto insurance providers provide discounts on policies to people who work in fields like medicine, science, law enforcement, the military, or nursing, among others. Depending on the driver's age, you might save $52 to $159 annually on insurance if you're eligible for this occupational discount.

Follow the Law: To get cheaper insurance, follow the law. It pays to drive safely if you want the most affordable Wrangler insurance rates. A few insignificant traffic infractions can potentially increase insurance costs by at least $476 annually. Rates might increase by $1680 or more for serious offenses, including driving while intoxicated and without insurance.

Decrease Deductibles: Lowering deductibles lower the cost of insurance. For a motorist who is 40 years old, increasing the bodily damage coverage deductible from $500 to $1,000 might result in annual savings of about $226 and $452, respectively. More money is spent when deductibles are reduced.

Discounts: Apply for discounts to reduce the cost of your auto insurance. For example, suppose the policyholder is a senior citizen, a good student, a member of the military, a government employee, or qualifies for one of the many other policy reductions. In that case, they may be eligible for discounts that save them as much as $302 per year on their insurance premium.

How do I find the best Jeep Wrangler car insurance rates?

Compare, compare, compare—you've heard it before. Comparison shopping is the game's name when looking for savings on auto insurance.

It works because each insurance provider employs a different algorithm to determine your rate. Therefore, the only method to discover the proper coverage at the best price is to compare quotes unless you can automatically detect the optimal algorithm for your car, age, zip code, etc.

Insurance carriers frequently give discounts to customers who install anti-theft equipment and modern safety technology in their cars. So install a GPS tracker or collision avoidance system in your [model] to increase your driving safety and insurance rates!

Look, we get that the interesting accessory the salesperson showed you at the dealership was well worth the cost. Perhaps it is true. However, one of the simplest ways to reduce insurance costs is to limit the number of unnecessary features.

Is that improved sound system so fantastic that you fell in love with it? Yes, it will increase your rate. The power moonroof, heated seats, and leather upholstery will all be included. That's because they raise the worth of your car, which also raises the amount of any potential claims.

So don't give in to the impulse to customize unless the increased price is justifiable.

Driving safely might genuinely put money back in your wallet. Of course, tickets will drive up your rate, but maintaining a spotless record can qualify you for savings. Don't give up if you already have a less than a spectacular driving record; Way.com can still help you find inexpensive rates and enhance your driving (and it's all done on your phone!).

The good news is that most insurance providers give discounts for anything from military service and safe driving to online payments and good grades. The bad news is that you sometimes seek discounts because businesses don't always advertise them.

Bottom Line

Even though most Jeep Wrangler insurance plans will be reasonably priced, shopping for the best bargain will ultimately pay you. In addition to other considerations, such as your driving record, insurance companies frequently provide different insurance prices based on the model year of your Jeep Wrangler.

Make sure to carefully compare insurance rates because the insurance company that is most affordable for most drivers may not be the most affordable for you.

How to get Jeep Wrangler Car Insurance with Way.com

Download the Way.com app and let us handle the algorithms (and the savings) if you prefer a different approach. You can instantly access Way.com's pool of more than 55 top insurance providers by responding to a few short questions, and you can view rate comparisons in as little as 45 seconds.

Asking about discounts while comparing businesses will help you find the greatest discounts with Way.com.

Way.com is the greatest way to find affordable coverage. You may compare and select coverage options from top-rated insurers in less than a minute. In addition, Way.com monitors prices every six months to ensure you get the greatest coverage.