Jeep Wrangler insurance costs average $86 per month for minimum coverage and $166 monthly for full coverage. But, depending on your particular trim and model year, costs can range from $56 for a 2005 Jeep Wrangler to $453 for a 2025 Jeep Wrangler monthly.
Jeep Wrangler Insurance Cost
Updated: September 26, 2025
Key Takeaways
Jeep Wrangler insurance costs range from $89 to $453 monthly on average, with variation based on specific trim level and model year you choose.
The Wrangler ranks 299th out of 827 vehicle models for insurance affordability in the United States vehicle market, placing it in the middle tier for costs.
GEICO offers the most affordable full coverage for Jeep Wrangler owners at $61 monthly for minimum coverage, while full coverage starts at just $132 per month.
How Much Is Jeep Wrangler Insurance?
| Jeep Wrangler | $86 | $166 |
Jeep Wrangler Insurance Cost by Model Year
Your Jeep Wrangler's model year and available trims directly impact insurance rates. Newer models cost more to insure due to their higher fair value. Monthly premiums for Wrangler coverage range from as low as $62 for a 2000 model to as high as $234 for a 2024 model.
| 2025 | $117 | $227 |
| 2024 | $121 | $234 |
| 2023 | $80 | $155 |
| 2022 | $69 | $134 |
| 2021 | $68 | $132 |
| 2020 | $67 | $130 |
| 2019 | $87 | $169 |
| 2018 | $84 | $163 |
| 2017 | $83 | $160 |
| 2016 | $80 | $154 |
| 2015 | $78 | $151 |
| 2014 | $79 | $154 |
| 2013 | $95 | $184 |
| 2012 | $94 | $183 |
| 2011 | $106 | $204 |
| 2010 | $93 | $180 |
| 2009 | $88 | $171 |
| 2008 | $80 | $154 |
| 2007 | $83 | $161 |
| 2006 | $81 | $156 |
| 2005 | $76 | $146 |
| 2004 | $76 | $147 |
| 2003 | $73 | $140 |
| 2002 | $69 | $133 |
| 2001 | $64 | $123 |
| 2000 | $62 | $119 |
Jeep Wrangler Insurance Cost by Trim
Your Jeep Wrangler's specific trim dramatically affects insurance costs based on its features, market value and desirability. Monthly premiums vary widely across trim levels, ranging from $61 for basic editions to $447 for high-performance models like the Rubicon 392.
| 80th Edition Sport Utility 2d | $61 | $119 |
| Se Sport Utility 2d | $62 | $118 |
| Unlimited Sahara Moab Sport Utility 4d | $63 | $123 |
| Sport S Suv 2d | $63 | $123 |
| Willys Sport Suv 2d | $64 | $124 |
| Polar Edition Sport Utility 2d | $66 | $128 |
| Black & Tan Suv 2d | $67 | $129 |
| Big Bear Sport Utility 2d | $67 | $129 |
| Unlimited Freedom Edition Sport Utility 4d | $67 | $130 |
| Unlimited Dragon Edition Sport Utility 4d | $67 | $131 |
| Sport Utility 2d | $68 | $130 |
| Unlimited Polar Edition Sport Utility 4d | $68 | $132 |
| Willys Sport Utility 2d | $70 | $136 |
| Unlimited Rubicon 10th Anniversary Sport Utility 4d | $70 | $137 |
| Unlimited Black Bear Sport Utility 4d | $72 | $139 |
| Sport (Jk) Sport Utility 2d | $72 | $140 |
| Black Bear Sport Utility 2d | $73 | $141 |
| Willys Wheeler W Sport Utility 2d | $73 | $142 |
| X Sport Utility 2d | $74 | $142 |
| Unlimited Altitude Sport Utility 4d | $74 | $143 |
| Sport S (Jk) Sport Utility 2d | $74 | $143 |
| Unlimited Rubicon X Sport Utility 4d | $74 | $144 |
| Sport S Sport Utility 2d | $75 | $145 |
| Islander Sport Utility 2d | $75 | $146 |
| Unlimited Willys Wheeler W Sport Utility 4d | $76 | $148 |
| Sport 2d | $77 | $150 |
| 75th Anniversary Edition Sport Utility 2d | $77 | $150 |
| Willys Wheeler Sport Utility 2d | $78 | $152 |
| Willys Wheeler (Jk) Sport Utility 2d | $78 | $152 |
| Altitude Sport Utility 2d | $79 | $153 |
| Sport Suv 2d | $79 | $153 |
| Unlimited Sport Rhd Suv 4d | $80 | $154 |
| "Sport" Sport Utility 2d | $79 | $152 |
| Unlimited Sport Utility 2d | $80 | $154 |
| Unlimited X Sport Utility 4d | $80 | $155 |
| Freedom Sport Utility 2d | $80 | $156 |
| Unlimited Sport S Suv 4d | $81 | $157 |
| All New Sport Suv 2d | $81 | $157 |
| Unlimited Freedom Sport Utility 4d | $81 | $158 |
| Rubicon X Sport Utility 2d | $82 | $158 |
| Unlimited Sport Rhd Sport Utility 4d | $82 | $158 |
| Altitude (Jk) Sport Utility 2d | $84 | $163 |
| Sahara Sport Utility 2d | $84 | $162 |
| Unlimited Rubicon Sport Utility 4d | $85 | $164 |
| Rubicon Hard Rock Sport Utility 2d | $85 | $164 |
| Rubicon Sport Utility 2d | $85 | $164 |
| Sport S 2d | $85 | $165 |
| Sahara (Jk) Sport Utility 2d | $85 | $165 |
| All New Sport S Sport Utility 2d | $85 | $165 |
| All New Rubicon Sport Utility 2d | $85 | $166 |
| Rubicon Recon (Jk) Sport Utility 2d | $86 | $166 |
| Unlimited 75th Anniversary Edition Sport Utility 4d | $86 | $166 |
| Recon Sport Utility 2d | $86 | $167 |
| Sport 4d | $87 | $168 |
| Unlimited Rubicon Hard Rock Sport Utility 4d | $87 | $168 |
| Rubicon (Jk) Sport Utility 2d | $87 | $169 |
| Unlimited Backcountry Sport Utility 4d | $87 | $169 |
| Backcountry Sport Utility 2d | $88 | $170 |
| Unlimited Sport Suv 4d | $89 | $171 |
| Unlimited Red Rock Edition Sport Utility 4d | $89 | $172 |
| Unlimited Sport S Sport Utility 4d | $90 | $174 |
| Unlimited Willys Wheeler Sport Utility 4d | $90 | $174 |
| Golden Eagle (Jk) Sport Utility 2d | $90 | $175 |
| Smoky Mountain Sport Utility 2d | $90 | $174 |
| Freedom Edition (Jk) Sport Utility 2d | $92 | $178 |
| Unlimited Sahara Sport Utility 4d | $92 | $178 |
| Chief Sport Utility 2d | $93 | $180 |
| Willys Wheeler W (Jk) Sport Utility 2d | $93 | $181 |
| Willys 2d | $93 | $181 |
| Sport S 4d | $94 | $183 |
| Freedom Edition Sport Utility 2d | $94 | $183 |
| Winter Sport Utility 2d | $95 | $184 |
| Rubicon Recon Sport Utility 2d | $98 | $189 |
| Willys 4d | $103 | $200 |
| Unlimited Rubicon Sport Utility 2d | $104 | $201 |
| Rubicon 2d | $110 | $213 |
| Sport Freedom Edition Sport Utility 2d | $110 | $213 |
| Unlimited 70th Anniversary Sport Utility 4d | $113 | $218 |
| Sport Rhd 4d | $113 | $219 |
| Sahara Moab Sport Utility 2d | $115 | $222 |
| Sahara 4d | $115 | $223 |
| Rubicon 4d | $119 | $232 |
| Unlimited Sport Freedom Edition Sport Utility 4d | $122 | $236 |
| 70th Anniversary Sport Utility 2d | $123 | $237 |
| Rubicon 10th Anniversary Sport Utility 2d | $125 | $242 |
| Rubicon X 2d | $132 | $256 |
| Rubicon X 4d | $142 | $275 |
| Rubicon 392 4d | $211 | $409 |
| Rubicon 392 Final Edition 4d | $230 | $447 |
Compare Personalized Jeep Wrangler Insurance Costs
We broke down Jeep Wrangler insurance costs by model year and trim to give you personalized estimates.
Data filtered by:
2000
Sport Utility 2d
| Sport Utility 2d | $64 | $123 |
Jeep Wrangler Insurance Cost by Company
Jeep Wrangler insurance costs vary by provider from $96 to $227 monthly. Minimum coverage ranges from $61 to $148, while full coverage costs $132 to $325. Rates vary due to different risk assessment models.
| AAA | $96 | $198 |
| AIG | $129 | $325 |
| Allstate | $107 | $207 |
| Amica | $103 | $211 |
| Chubb | $130 | $256 |
| Farmers | $119 | $209 |
| GEICO | $61 | $132 |
| Kemper | $91 | $182 |
| Nationwide | $100 | $173 |
| Progressive | $85 | $158 |
| State Farm | $82 | $170 |
| The Hartford | $114 | $194 |
| Travelers | $74 | $136 |
| UAIC | $148 | $186 |
Jeep Wrangler Insurance Cost by State
Jeep Wrangler insurance costs vary dramatically by location, from as low as $63 monthly in Wyoming to $267 monthly in Louisiana.
| Alabama | $71 | $133 |
| Alaska | $59 | $126 |
| Arizona | $102 | $191 |
| Arkansas | $71 | $160 |
| California | $82 | $166 |
| Colorado | $83 | $198 |
| Connecticut | $120 | $206 |
| Delaware | $122 | $205 |
| Florida | $110 | $256 |
| Georgia | $128 | $211 |
| Hawaii | $45 | $100 |
| Idaho | $47 | $97 |
| Illinois | $78 | $146 |
| Indiana | $56 | $109 |
| Iowa | $47 | $114 |
| Kansas | $62 | $146 |
| Kentucky | $107 | $182 |
| Louisiana | $169 | $365 |
| Maine | $45 | $92 |
| Maryland | $134 | $227 |
| Massachusetts | $85 | $181 |
| Michigan | $129 | $247 |
| Minnesota | $69 | $142 |
| Mississippi | $73 | $146 |
| Missouri | $98 | $196 |
| Montana | $59 | $141 |
| Nebraska | $62 | $142 |
| Nevada | $150 | $271 |
| New Hampshire | $60 | $107 |
| New Jersey | $138 | $227 |
| New Mexico | $69 | $155 |
| New York | $104 | $187 |
| North Carolina | $70 | $137 |
| North Dakota | $49 | $107 |
| Ohio | $65 | $127 |
| Oklahoma | $78 | $173 |
| Oregon | $104 | $183 |
| Pennsylvania | $73 | $173 |
| Rhode Island | $106 | $190 |
| South Carolina | $89 | $166 |
| South Dakota | $45 | $136 |
| Tennessee | $67 | $136 |
| Texas | $110 | $224 |
| Utah | $93 | $158 |
| Vermont | $38 | $90 |
| Virginia | $80 | $130 |
| Washington | $79 | $146 |
| West Virginia | $73 | $149 |
| Wisconsin | $56 | $122 |
| Wyoming | $31 | $95 |
Jeep Wrangler Insurance Cost by Driver Profile
Your driving profile dramatically impacts Jeep Wrangler insurance costs, especially your age and record. Young drivers under 25 face rates as high as $418 monthly for full coverage, while adults between 26-64 enjoy rates as low as $86 per month for minimum coverage.
| Adult Drivers | $86 | $166 |
| Young Drivers | $218 | $418 |
| Senior Drivers | $114 | $209 |
| Drivers With a Speeding Ticket | $107 | $208 |
| Drivers With an Accident | $126 | $242 |
| Drivers With a DUI | $158 | $302 |
| Drivers With Bad Credit | $204 | $410 |
Is a Jeep Wrangler Expensive to Insure?
You might be concerned about Jeep insurance costs given the vehicle's off-roading nature. Compared to the rest of the models on the U.S. market, a Jeep Wrangler ranks 299th out of 827, making it one of the more expensive cars to insure. Among midsize SUVs, the model ranks 17th out of 33.
| Isuzu Rodeo | $54 | $103 |
| GMC Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| GMC Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Jeep Car Insurance Costs
Several factors influence what you'll pay for Jeep Wrangler insurance coverage:
- Age (25 to 54 primary): Mature drivers receive better rates than teens, though one-third of owners are retirement age.
- Gender (72% male): Male-dominated ownership aligns with higher risk-taking behaviors and off-road usage.
- Income ($115,000 to $123,000): Higher credit scores reduce premiums, and 94% of owners are also homeowners.
Average Repair or Replacement Costs
Jeep ranks 15th in repair affordability among 59 U.S. automakers with median annual costs of $821. Jeep Wrangler repair costs average $928 annually, making it contribute to higher insurance premiums compared to economy vehicles.
Vehicle Trim, Features and Accessories
The Jeep Wrangler offers diverse engine options from 270 to 470 horsepower, with 0 to 60 mph times ranging from 4.5 to 7.5 seconds depending on configuration.
Higher trim levels like Rubicon 392 and specialized models cost more to insure due to advanced features, performance capabilities and higher replacement values. Premium trims include locking differentials, upgraded suspension and beadlock-capable wheels.
Fuel Type
Most Jeep Wranglers use regular gasoline, making them easy to fuel and service at most locations. But, premium models with turbo engines, V8 powertrains and hybrid 4xe variants require premium gasoline, increasing operating costs.
The Wrangler 4xe plug-in hybrid combines a 2.0-liter turbo engine with electric motors for 375 horsepower and 21 miles of electric-only range.
Location
Jeep Wrangler ownership is highest in New York, followed by Texas, California, Michigan and Pennsylvania. The vehicle's popularity in diverse climates from snowy Northeast winters to sunny Southwest deserts affects regional insurance rates through varying weather risks, crime statistics and repair shop availability.
Rural areas with off-road recreation tend to have concentrated Wrangler ownership.
Driver Profile
Most Jeep Wrangler drivers are middle-aged (25 to 54) with higher household incomes averaging $115,000 to $123,000. Gender breakdown shows 72% male and 28% female ownership. Despite higher incomes and generally responsible demographics, Wranglers face higher rollover risk ratings (26.7% chance) and mixed safety scores that can impact insurance premiums.
Driver demographics affect Jeep Wrangler rates:
Cheapest Jeep Wrangler Insurance Companies
When shopping for Wrangler insurance, GEICO stands out as the most affordable option across coverage levels. For comprehensive full coverage protection, GEICO offers the lowest rates at $132 monthly. Drivers seeking basic minimum coverage can also turn to GEICO for the cheapest premiums at $61 per month.
| GEICO | $61 | $132 |
| Travelers | $74 | $136 |
| Progressive | $85 | $158 |
| State Farm | $82 | $170 |
| Kemper | $91 | $182 |
Cheapest Jeep Wrangler Insurance by State
We found that these are the top three most affordable car insurance providers for a Jeep Wrangler:
- GEICO: Offers the cheapest rates in 17 states
- Travelers: Provides the most affordable coverage in 12 states
- Progressive: Wins for affordability in five states
You can filter below to see which company offers the most affordable auto insurance rates for your Jeep Wrangler.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $39 |
How to Get the Best Cheap Jeep Wrangler Insurance
Below we break down the best way to buy car insurance for your Jeep Wrangler:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Jeep's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Jeep Wrangler, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Jeep Wrangler owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): Jeep Wrangler owners often own multiple vehicles for different purposes, using the Wrangler for adventure and another car for daily commuting. This practical approach means many qualify for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 97% homeownership among SUV buyers, Wrangler owners can bundle auto and homeowners insurance for substantial savings from major carriers. This discount saves families over $1,361 annually compared to separate policies.
- Good Driver/Safe Driver Discount (up to 30% savings): Wrangler owners' mature driving profile (median age 46 to 51 years) results in clean driving records that qualify them for good driver discounts. This is the largest discount you can get, making safe driving essential for low rates.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Wrangler includes safety features like airbags, seat belts and optional blind-spot monitoring that help you avoid crashes. Insurance companies reward these features with discounts, particularly on medical-related coverage.
- Anti-Theft System Discount (up to 23% savings): Many Wranglers come equipped with factory-installed security systems or have aftermarket anti-theft devices added for off-road adventures. These systems can earn you substantial discounts on the comprehensive portion of your premium, as they reduce theft risk.
- 5Consider alternative car insurance types
Jeep Wrangler owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Jeep Wrangler insurance by up to 24%. Your best deal might not exist until next year, so make comparing rates an annual habit.
Jeep Wrangler Insurance Cost: Bottom Line
Insuring a Jeep Wrangler costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Jeep Wrangler Insurance Rates: FAQ
Here are answers to common questions about insuring a Jeep Wrangler.
What is the average cost of car insurance for a Jeep Wrangler?
The Jeep Wrangler's average annual insurance cost is $1,027 yearly for state minimum and $1,988 for full coverage.
What company has the cheapest car insurance for a Jeep Wrangler?
GEICO offers the cheapest minimum coverage auto insurance for a Jeep Wrangler, with an annual minimum coverage rate of $732. For those looking for full coverage policies, GEICO is also the most cost-effective option at $1,584 per year.
Are Jeep Wranglers expensive to insure?
Yes, Jeep Wrangler insurance costs around the national average for car insurance. Out of 827 vehicles we track, the Wrangler ranks 299th for affordability. Among midsize SUVs, this model sits at 17th out of 33.
What factors affect insurance costs for Jeep Wranglers?
Several things drive up your Jeep Wrangler rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Jeep-certified repair shops cost more.
How can I lower Jeep Wrangler insurance costs?
Shop around with multiple insurers as rates vary for Jeeps, and consider usage-based insurance programs that track your driving habits. Take advantage of newer Jeep's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Jeep Wrangler Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Jeep Wrangler insurance costs.
Who We Based These Rates On
These Jeep Wrangler prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.