Updated: January 15, 2025
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Rates depend on many factors, including the driver's age and your car’s model year. A 16-year-old driving a Jeep Wrangler pays an average of $6,173 per year to insure a 2022 model and $5,252 per year to insure a 2010 model. A 40-year-old driver, on the other hand, pays an average of only $1,364 per year to insure a 2022 model and $1,126 per year to insure a 2010 Jeep Wrangler.
MoneyGeek also ranked insurers to find the best balance of affordability, service quality and claims experience.
Insuring a Jeep Wrangler averages $1,267 per year or $106 per month. Compared to other vehicles, it is cheaper to insure due to its low value, cheap repair costs, and low theft rate. Rates vary by model year, driver age, and provider.
State Farm offers the cheapest full coverage for a Jeep Wrangler at $1,031 per year. The most expensive option is Farmers at $1,426 per year, a potential savings of $395.
Insuring a 2010 Jeep Wrangler costs around $1,126 annually, while a 2022 model costs approximately $1,364 per year. Newer models generally have higher insurance costs due to their higher market value.
When searching for affordable car insurance for a Jeep Wrangler, State Farm emerges as the most budget-friendly option for both full and minimum coverage.
1. Full Coverage Insurance:
- The cheapest full coverage option is offered by State Farm at $1,031 per year.
- The most expensive option for full coverage is provided by Farmers at $1,426 per year.
2. Minimum Coverage Insurance:
- The cheapest minimum coverage is also with State Farm, costing $516 per year.
- Nationwide has the highest rate for minimum coverage, with an average premium of $740 per year.
State Farm not only ranks highest for affordability but also scores well in customer satisfaction, making it an excellent choice for those prioritizing both cost and service quality.
For a 2010 Jeep Wrangler, State Farm insures at an even more reduced rate of $870 annually, while coverage for a 2022 model remains affordable at $1,174 per year.
Additionally, car insurance for young drivers, specifically a 16-year-old, is significantly pricier. For teenagers, the most affordable option is sharing a family plan. Individually, State Farm offers the least expensive plan for a 16-year-old at $3,772 per year.
Overall, State Farm consistently offers the most affordable insurance options across various demographics and coverage levels for the Jeep Wrangler, making it the top recommendation for those focused on affordability.
Based on the provided information, the best car insurance provider for a Jeep Wrangler is State Farm. State Farm comes with a high MoneyGeek score of 90 out of 100 and offers the most affordable rates for full coverage. The annual premium for a full coverage policy with State Farm is $1,031.
State Farm is noted for its affordability and ranks second-highest for customer satisfaction, making it a reliable choice for Jeep Wrangler owners looking for a good balance of cost and service quality.
Age is a significant factor in determining car insurance premiums, as younger drivers, particularly teenagers, are generally considered higher risk due to their inexperience on the road. Conversely, older drivers tend to have more driving experience and typically pose a lower risk to insurers, leading to lower premiums.
Impact of Age on Car Insurance for a Jeep Wrangler
1. 16-Year-Old Drivers:
- A 16-year-old driving a 2022 Jeep Wrangler pays an average of $6,173 per year for insurance.
- For a 2010 model, the cost decreases slightly to $5,252 per year.
These high premiums reflect the increased risk that insurers associate with teenage drivers. Insurers factor in the likelihood of accidents and claims, which tend to be higher among this age group.
2. 40-Year-Old Drivers:
- A 40-year-old driver insuring a 2022 Jeep Wrangler pays $1,364 annually.
- For a 2010 model, the yearly cost is approximately $1,126.
For a 40-year-old driver, the rates are substantially lower due to their driving experience and reduced risk profile from the insurer's perspective.
Rate Trends Over Time
- Young Drivers' Rates:
- Insurance costs for young drivers can be significantly reduced by including them in a family plan rather than opting for an individual plan. This becomes more affordable as they age and gain driving experience.
- For example, the most affordable individual plan for a 16-year-old is from State Farm at $3,772 per year.
- Older Drivers' Rates:
- Rates for older drivers like those in their 40s are typically more stable and don't fluctuate as dramatically as those for teenagers.
Additional Factors Influencing Rates:
- Car Model and Year: The cost to insure newer models like the 2022 Jeep Wrangler is generally higher than older models due to the increased market value and the cost of repairs.
- Insurer Choice: For example, State Farm offers affordable rates, with the lowest prices for both new and old models. The cheapest average for a 2022 Jeep Wrangler is $1,174 through State Farm.
- Location: Insurance costs can vary significantly by state, with some states like Idaho offering the cheapest premiums and New York the most expensive.
In conclusion, while a driver's age significantly impacts insurance costs, other factors such as the car model, the insurer, and even the policyholder's location also play crucial roles. Over time, as drivers age, insurance rates tend to decrease, reflecting their improved risk profile in the eyes of insurers. Shopping around for quotes from different insurers can also help find the best rates, especially for young drivers looking to reduce their premiums.
Why Trust MoneyGeek? We based our analysis of average rates for a Jeep Wrangler on thousands of car insurance quotes from Quadrant Information Services
We updated our rates to find the average cost of car insurance for a Jeep Wrangler in 2023.
Car insurance for a Jeep Wrangler costs an average of $1,267 per year, although your rates will depend on your insurer. The cheapest car insurance for a Jeep Wrangler is from State Farm, with an average rate of $1,031 per year for a full coverage policy. The most expensive option for a full coverage policy is Farmers at $1,426 per year.
If you’re looking for minimum coverage, State Farm also has the cheapest option at $516 per year. Nationwide has the highest rates, with an average premium of $740 per year.
| State Farm | $1,031 |
| GEICO | $1,067 |
| Travelers | $1,186 |
| Nationwide | $1,301 |
| Allstate | $1,324 |
| Progressive | $1,378 |
| Farmers | $1,426 |
Car insurance costs are influenced by several factors, including the car's value, model, and repair costs. A Jeep Wrangler is cheap to insure compared to other vehicle types, so you’ll most likely find affordable rates from insurers. Jeep Wrangler insurance costs are impacted by the car's relatively low value and cheaper repair costs, as well as its relatively low theft rate, all of which make it less risky for insurance companies to insure.
Cost, customer service and claims experience are all factors to consider when looking for car insurance. Based on our analysis, these companies offer the best car insurance for a Jeep Wrangler:
State Farm ranked the highest for affordability and second-highest for customer satisfaction in our study, meaning that it offers great service at an affordable rate.
Most affordable option for a Jeep Wrangler
Has a high customer satisfaction rating
Offers limited add-on coverages
Has a low claims satisfaction score
State Farm offers the best overall insurance for a Jeep Wrangler, balancing affordability and customer service. The company has a limited number of coverages, but it does offer two essential coverages that are designed to keep you on the road if you experience car trouble and are beneficial for most drivers.
The first of these is Emergency Road Service Coverage, which provides assistance for minor repairs on the road, such as locksmith services, mechanical labor, towing services, gas delivery and tire changes. If you have this coverage on your policy, you can request these services through State Farm’s hotline or send an online request.
In addition, State Farm's car rental and travel reimbursement coverage covers the cost of renting a car while your Jeep Wrangler is being repaired following a covered incident, as well as meals, accommodations or transportation if your car is undriveable while you're more than 50 miles away from home.
Offers affordable rates for a Jeep Wrangler
Earned a high customer satisfaction score
Has Mechanical Breakdown Insurance (MBI)
Doesn’t offer gap insurance
Has a low claims handling score
GEICO is another great choice for insuring a Jeep Wrangler, with affordable rates and high customer satisfaction ratings. It also provides less common coverages, such as Mechanical Breakdown Insurance (MBI) and accident forgiveness.
MBI is available if your Jeep Wrangler is less than 15 months old with less than 15,000 miles on it. MBI offers coverage for vehicle repairs and replacements without restrictions on parts and systems or repair shops. This coverage can help you save money on repairs to a new care.
Meanwhile, accident forgiveness coverage helps you keep your auto insurance rates low if you're involved in an at-fault accident. You can choose to add this coverage to your policy for an extra cost, or GEICO might add it as a reward if you've been claim-free for several years. Accident forgiveness is not available in California.
Insuring a 2010 Jeep Wrangler costs around $1,126 annually, while it costs approximately $1,364 per year to insure a 2022 model. The average cost of car insurance for newer car models is typically higher than for older ones because of their higher market value.
| 2022 | $1,364 |
| 2021 | $1,346 |
| 2020 | $1,297 |
| 2019 | $1,302 |
| 2018 | $1,282 |
| 2017 | $1,238 |
| 2016 | $1,249 |
| 2015 | $1,235 |
| 2014 | $1,177 |
| 2013 | $1,175 |
| 2012 | $1,148 |
| 2011 | $1,137 |
| 2010 | $1,126 |
Your choice of an insurer can affect the average cost of car insurance. For a Jeep Wrangler, State Farm is the cheapest option for both old and new models. It costs $870 per year for a 2010 model and $1,174 per year for a 2022 model.
| State Farm | $1,174 |
| GEICO | $1,214 |
| Travelers | $1,261 |
| Nationwide | $1,319 |
| Farmers | $1,553 |
| Progressive | $1,579 |
| Allstate | $1,655 |
Car insurance is more expensive for teenagers and young adults than it is for older drivers. For example, car insurance for a Jeep Wrangler costs around $5,703 per year for a 16-year-old driver, while it only costs $1,237 per year for a 40-year-old. Car insurance for teens becomes much more affordable as teenagers age and tend to stabilize as they reach their 20s.
When it comes to car insurance for teens, the most affordable option is to add them to a family plan as individual plans are significantly more expensive. In addition, teens under 18 cannot legally purchase an individual plan without a parent or guardian agreeing to cosign.
State Farm offers the least expensive individual plan for a 16-year-old, with an average annual premium of $3,772. On the other hand, Progressive has the highest premiums at $8,330 per year. Different companies may offer lower rates and exclusive discounts, so it’s best to shop around to find the cheapest car insurance for young drivers.
| State Farm | $3,772 |
| Travelers | $5,032 |
| Nationwide | $5,392 |
| GEICO | $5,717 |
| Allstate | $7,706 |
| Farmers | $7,844 |
| Progressive | $8,330 |
Location is one of the most important factors that affect the cost of car insurance. The cheapest insurer for a given car model varies per state. On average, car insurance is cheapest in Idaho and most expensive in New York. In order to find the best rates, it's a good idea to get quotes from the cheapest insurers in your state.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
MoneyGeek answered some commonly asked questions regarding the price and service quality of car insurance for a Jeep Wrangler.
Car insurance for a Jeep Wrangler costs $1,267 per year on average, which is considered cheap compared to other vehicle types. State Farm offers the most affordable rates at $1,031 per year for a full coverage policy and $516 per year for a minimum coverage policy. This company is cheaper than the overall average cost of car insurance for a Jeep Wrangler. We suggest exploring your options and comparing rates to find the best policy that fits your budget.
The best car insurance for a Jeep Wrangler is from State Farm. The company received a MoneyGeek score of 90 out of 100 and offers the cheapest rates for this car model. It also earned the second-highest customer satisfaction rating among the companies we analyzed for a Jeep Wrangler, balancing both cost and service quality. The second-best company is GEICO, with a MoneyGeek score of 89 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
