The annual cost of full coverage insurance on a Jeep Wrangler ranges from $992 with USAA to $5,422 for 16-year-olds. Rates vary greatly depending on the model year, driver's age, address, driving record, coverage level and insurer. MoneyGeek breaks down Jeep Wrangler insurance costs and explores the best companies and affordable insurers.
Jeep Wrangler Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the cheapest minimum coverage across all Jeep Wrangler model years, averaging $516 annually.
The average annual cost for a Jeep Wrangler is $621 for minimum coverage and $1,248 for full coverage.
To provide reliable insights, MoneyGeek analyzed data from 3,884 Jeep Wrangler insurance quotes sourced through Quadrant Information Services.
Jeep Wrangler Insurance Rates
What Is the Average Jeep Wrangler Car Insurance Cost?
Insuring a Jeep Wrangler with full coverage averages $104 monthly or $1,248 yearly, based on a 40-year-old male with a clean driving record. Minimum coverage costs around $52 per month or $621 annually.
| Minimum Coverage | $621 |
| Full Coverage | $1,248 |
Read more: Average Cost of Car Insurance
Jeep Wrangler Insurance Costs by Company
Jeep Wrangler insurance costs range from $1,016 to $1,863 annually, depending on age, model year and coverage level. The table below compares average Jeep Wrangler insurance rates with averages for all vehicles from several national and mid-size providers.
| Allstate | $1,377 | $1,814 | -24% |
| Auto-Owners | $1,046 | $1,228 | -15% |
| Farmers | $1,478 | $1,959 | -25% |
| GEICO | $1,071 | $1,334 | -20% |
| Kemper | $1,863 | $2,214 | -16% |
| Nationwide | $1,363 | $1,589 | -14% |
| Progressive | $1,422 | $1,745 | -19% |
| State Farm | $1,057 | $1,270 | -17% |
| Travelers | $1,212 | $1,524 | -20% |
| USAA | $1,016 | $1,201 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Jeep Wrangler by Model Year
The year your Jeep Wrangler was made can affect your insurance rates, with older models usually being cheaper. For example, full coverage for a 2022 model costs $1,401 annually, while it costs around $1,121 for a 2010 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $615 | $1,401 |
| 2021 | $626 | $1,355 |
| 2020 | $608 | $1,336 |
| 2019 | $638 | $1,322 |
| 2018 | $642 | $1,303 |
| 2017 | $621 | $1,285 |
| 2016 | $650 | $1,266 |
| 2015 | $652 | $1,248 |
| 2014 | $621 | $1,219 |
| 2013 | $641 | $1,189 |
| 2012 | $634 | $1,160 |
| 2011 | $635 | $1,141 |
| 2010 | $632 | $1,121 |
Jeep Wrangler Insurance Costs by Driver Age
Jeep Wrangler insurance rates vary widely by age. A 40-year-old pays an average of $1,257 annually for full coverage, while a 16-year-old pays roughly $5,422. Below are the average full and minimum coverage rates based on different ages.
| 16 | $2,907 | $5,422 |
| 17 | $2,360 | $4,421 |
| 18 | $2,058 | $3,889 |
| 19 | $1,469 | $2,776 |
| 20 | $1,318 | $2,524 |
| 21 | $1,043 | $2,040 |
| 22 | $951 | $1,874 |
| 23 | $881 | $1,750 |
| 24 | $835 | $1,665 |
| 25 | $742 | $1,489 |
| 26 | $722 | $1,444 |
| 27 | $704 | $1,412 |
| 28 | $692 | $1,390 |
| 29 | $681 | $1,371 |
| 30 | $658 | $1,322 |
| 35 | $639 | $1,281 |
| 40 | $632 | $1,257 |
| 45 | $626 | $1,241 |
| 50 | $611 | $1,204 |
| 55 | $596 | $1,172 |
| 60 | $596 | $1,168 |
| 65 | $634 | $1,223 |
| 70 | $689 | $1,309 |
| 75 | $766 | $1,434 |
| 80 | $869 | $1,597 |
| 85 | $941 | $1,713 |
| 90 | $994 | $1,793 |
Jeep Wrangler Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles, but insurers also evaluate vehicle-specific factors. Below is a breakdown of car-related cost factors, including make, model, age and safety features.
Jeep Wrangler Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Jeep Wrangler
Average Full Coverage Rate
$1,248Premiums for Jeep Wrangler are cheaper:$48 saved
This is 4% less expensive.
Value
The Jeep Wrangler's MSRP is $101,890, classifying it as an SUV. This higher value can impact insurance costs, as insurers consider the vehicle's value when determining premiums.
Repair costs
The Jeep Wrangler's annual repair cost is $694, below the national average. Lower repair costs often result in cheaper insurance premiums, as they reduce the potential expense for insurers.
Performance
The Jeep Wrangler's 0-to-60 time of 6.1 seconds and horsepower range of 270 to 285 may influence insurance costs. These performance metrics could result in higher premiums, as insurers often associate increased power and acceleration capabilities with greater risk.
Vehicle age
Newer Jeep Wranglers are typically more expensive to insure than older models.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Jeep Wrangler for insurance discounts.
Vehicle size
The Jeep Wrangler is a larger vehicle with a curb weight of 5,098 lbs, which may lead to higher insurance costs due to potential property damage.
Trim level
Higher trim levels of the Jeep Wrangler, like the Rubicon, often feature premium upgrades, leading to higher insurance costs.
Theft rates
Vehicles with higher theft rates, like the Jeep Wrangler, may have higher insurance premiums.
Anti-theft features
Anti-theft features in the Jeep Wrangler, such as an alarm system and immobilizer, can help reduce insurance costs.
Cheapest Jeep Wrangler Insurance
State Farm offers the lowest Jeep Wrangler insurance rate at $516 per year for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Jeep Wrangler Insurance by Coverage Level
The coverage level you select significantly affects your Jeep Wrangler insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Jeep Wrangler Minimum Coverage
For a Jeep Wrangler, GEICO and State Farm offer the cheapest minimum coverage at $43 monthly, followed by Travelers at $52, Allstate at $56 and Progressive at $57.
| USAA | $38 | $451 |
| State Farm | $43 | $516 |
| GEICO | $43 | $517 |
| Travelers | $52 | $628 |
| Allstate | $56 | $677 |
| Progressive | $57 | $679 |
| Farmers | $58 | $693 |
| Nationwide | $61 | $734 |
*State Farm offers non-military-affiliated Jeep Wrangler owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Jeep Wrangler Insurance Rates by Model Year
Because the above list doesn't consider the production year, lower rates may be available depending on your Jeep Wrangler's age. Filter the table below to find the cheapest minimum coverage rates for every production year.
Data filtered by:Results filtered by:
Select
Model Year:2010
| Allstate | $701 | $58 |
| Farmers | $712 | $59 |
| GEICO | $529 | $44 |
| Nationwide | $735 | $61 |
| Progressive | $661 | $55 |
| State Farm | $469 | $39 |
| Travelers | $673 | $56 |
| USAA | $446 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Jeep Wrangler Insurance
State Farm offers the cheapest full coverage insurance for a Jeep Wrangler at $86 per month or $1,033 annually. Below is the complete list of full coverage providers and rates.
| USAA | $83 | $992 |
| State Farm | $86 | $1,033 |
| GEICO | $88 | $1,057 |
| Travelers | $101 | $1,211 |
| Nationwide | $108 | $1,300 |
| Allstate | $110 | $1,326 |
| Progressive | $114 | $1,367 |
| Farmers | $116 | $1,392 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Jeep Wrangler owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Jeep Wrangler Insurance by Age
Young drivers aged 16 to 25 and seniors 55+ often face higher Jeep Wrangler insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Jeep Wrangler Insurance for Young Drivers
Jeep Wrangler drivers aged 16 to 25 can find the cheapest insurance with State Farm, which offers minimum coverage for $1,135 annually or $95 monthly. Below is a complete list of the most affordable car insurance rates for young drivers.
| USAA | $78 | $940 |
| State Farm | $95 | $1,135 |
| GEICO | $103 | $1,242 |
| Travelers | $112 | $1,340 |
| Allstate | $132 | $1,582 |
| Farmers | $158 | $1,895 |
| Progressive | $159 | $1,914 |
| Nationwide | $163 | $1,962 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Jeep Wrangler Insurance for Seniors
State Farm offers the cheapest car insurance for seniors, starting at $47 monthly or $568 annually. Check the full list of affordable Jeep Wrangler insurers below.
| State Farm | $47 | $568 |
| USAA | $50 | $601 |
| GEICO | $52 | $619 |
| Travelers | $64 | $764 |
| Allstate | $69 | $830 |
| Nationwide | $72 | $863 |
| Progressive | $73 | $873 |
| Farmers | $78 | $934 |
Cheapest Jeep Wrangler Insurance After an Accident
For Jeep Wrangler drivers, State Farm, GEICO and Travelers offer the most affordable insurance after an accident. Check out the complete list below for more options.
| State Farm | $54 | $647 |
| USAA | $57 | $689 |
| GEICO | $68 | $816 |
| Travelers | $76 | $912 |
| Allstate | $77 | $926 |
| Progressive | $93 | $1,120 |
| Nationwide | $95 | $1,144 |
| Farmers | $116 | $1,395 |
Jeep Wrangler Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the cheapest car insurance. This article analyzes Jeep Wrangler insurance in-depth, detailing costs across different demographic groups and identifying the most affordable providers.
Jeep Wrangler Insurance Rates: FAQ
Here are answers to common questions about Jeep Wrangler insurance costs.
What company has the cheapest car insurance for a Jeep Wrangler?
State Farm is the cheapest insurance provider for a Jeep Wrangler, with an annual minimum coverage rate of $516.
What is the average cost of car insurance for a Jeep Wrangler?
The average annual insurance cost for a Jeep Wrangler is $621 for state minimum and $1,248 for full coverage.
Jeep Wrangler Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 3,884 Jeep Wrangler insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Jeep Wrangler:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Jeep Wrangler insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Jeep Wrangler.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.