Insurance premiums for a Jeep Wrangler average $166 monthly for full coverage and $86 for minimum coverage. Depending on your trim and model year, costs range from $61 to $447 monthly.
Jeep Wrangler Insurance Cost
Updated: September 17, 2026
Key Takeaways
GEICO offers the most affordable Jeep Wrangler insurance at $730 annually for minimum coverage. Rates vary widely by insurer, with National General providing competitive monthly rates starting at $49. Read more.
Among SUVs, the Wrangler ranks 70th out of 256 for insurance affordability, placing it in the middle tier. SUVs cost more to insure than sedans on average, due to higher repair costs and rollover risk. Read more.
Your Wrangler's model year impacts your insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by model year and driver age.
How Much Is Jeep Wrangler Insurance?
| Jeep Wrangler | $86 | $166 |
Looking for another Jeep model? Read more about insurance costs for other Jeep models.
Your Jeep Wrangler's age affects what you pay for insurance. Older Wranglers cost around $62 monthly to insure, while the newest models can reach $234 per month due to their higher market value.
Insurance costs for a Jeep Wrangler depend on the model year and your insurer. Full coverage ranges from $132 per month with GEICO to $325 with AIG, while minimum coverage ranges from $61 with GEICO to $148 with UAIC.
Comparing quotes pays off. Minimum coverage varies by more than $87 across insurers, and full coverage by more than $193. Each company prices risk for the Wrangler differently, which is why your quote will vary.
| 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 |
Is Jeep Wrangler Expensive to Insure?
MoneyGeek ranked the Jeep Wrangler 70th out of 256 SUVs for insurance affordability. It costs a few dollars more per month than an Infiniti EX and slightly less than a Kia Soul. Of the SUVs we ranked, 69 models are cheaper to insure and 186 cost more.
Among all 827 vehicles, the Wrangler ranks 299th, putting it in the top half for affordability. The Isuzu Amigo is the cheapest SUV to insure; the Audi SQ8 e-tron carries the highest premiums in the category.
| BMW X3 | $124 | 67 |
| Subaru Forester | $125 | 68 |
| Hyundai Tucson | $125 | 69 |
| Infiniti EX | $125 | 69 |
| Jeep Wrangler | $126 | 70 |
| Kia Soul | $126 | 71 |
| Chevrolet Traverse | $126 | 72 |
| Nissan Rogue | $127 | 73 |
Insurers look at these factors when pricing a Jeep Wrangler:
- Average Repair or Replacement Costs: At $928 annually, the Wrangler ranks fourth most affordable among six Jeep models for repair costs.
- Vehicle Trim, Features and Accessories: The Wrangler's horsepower ranges from 270 to 470, depending on trim level. Higher-output trims carry higher premiums.
- Driver Profile: Most Wrangler owners are 30 to 50 years old, but the vehicle's off-road reputation matters to insurers, who see higher risk in how some drivers use it. Read more about the costs of Jeep Wranglers for young drivers.
Jeep Wrangler Costs by Model Year and Driver Age by Insurance Company
Your Wrangler's model year and your age both affect your rate. A driver between 35 and 55 pays around $181 per month for full coverage on a 2016 Wrangler and $262 per month on a 2025 model. Teen and young adult drivers pay more across all model years.
National General has the cheapest rates across all model years and can save some drivers hundreds per month. Comparing quotes is worth the time.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Jeep Wrangler
| National General | $85 | $175 |
| Geico | $87 | $188 |
| Travelers | $95 | $174 |
| Progressive | $114 | $212 |
| State Farm | $118 | $246 |
| Kemper | $128 | $256 |
| AAA | $128 | $266 |
| Amica | $132 | $270 |
| Allstate | $139 | $270 |
| Nationwide | $148 | $254 |
| Chubb | $164 | $321 |
| AIG | $164 | $414 |
| Farmers | $165 | $292 |
| The Hartford | $191 | $327 |
| UAIC | $205 | $259 |
2025 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $925 | $814 | $720 | $622 | $549 | $467 | $424 | $378 | $346 | $304 |
| Travelers | $1,055 | $755 | $595 | $458 | $404 | $297 | $271 | $250 | $231 | $200 |
| Geico | $1,065 | $777 | $653 | $474 | $408 | $329 | $303 | $251 | $237 | $215 |
| Nationwide | $1,158 | $1,061 | $978 | $830 | $700 | $454 | $420 | $392 | $370 | $331 |
| Allstate | $1,277 | $1,001 | $809 | $599 | $536 | $419 | $380 | $359 | $339 | $299 |
| Progressive | $1,547 | $1,248 | $1,035 | $575 | $501 | $405 | $361 | $322 | $296 | $255 |
| Farmers | $1,825 | $1,353 | $1,204 | $747 | $705 | $536 | $478 | $457 | $435 | $365 |
Cost of Car Insurance for 2024 Jeep Wrangler
| National General | $88 | $181 |
| Geico | $89 | $194 |
| Travelers | $98 | $180 |
| Progressive | $117 | $219 |
| State Farm | $122 | $254 |
| Kemper | $132 | $265 |
| AAA | $133 | $274 |
| Amica | $136 | $278 |
| Allstate | $144 | $278 |
| Nationwide | $152 | $262 |
| Chubb | $169 | $331 |
| AIG | $169 | $427 |
| Farmers | $171 | $302 |
| The Hartford | $198 | $337 |
| UAIC | $211 | $268 |
2024 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $955 | $840 | $743 | $642 | $567 | $482 | $437 | $390 | $357 | $314 |
| Travelers | $1,089 | $779 | $614 | $473 | $417 | $307 | $280 | $258 | $238 | $207 |
| Geico | $1,099 | $802 | $674 | $489 | $421 | $340 | $313 | $259 | $245 | $222 |
| Nationwide | $1,195 | $1,095 | $1,009 | $856 | $722 | $468 | $434 | $404 | $382 | $341 |
| Allstate | $1,318 | $1,033 | $835 | $618 | $554 | $432 | $392 | $371 | $350 | $309 |
| Progressive | $1,596 | $1,288 | $1,068 | $593 | $517 | $418 | $372 | $332 | $306 | $263 |
| Farmers | $1,883 | $1,397 | $1,243 | $771 | $727 | $553 | $493 | $472 | $449 | $376 |
Cost of Car Insurance for 2023 Jeep Wrangler
| National General | $58 | $120 |
| Geico | $59 | $128 |
| Travelers | $65 | $119 |
| Progressive | $78 | $145 |
| State Farm | $81 | $168 |
| Kemper | $88 | $175 |
| AAA | $88 | $182 |
| Amica | $90 | $184 |
| Allstate | $95 | $185 |
| Nationwide | $101 | $174 |
| Chubb | $112 | $219 |
| AIG | $112 | $283 |
| Farmers | $113 | $200 |
| The Hartford | $131 | $223 |
| UAIC | $140 | $177 |
2023 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $633 | $557 | $492 | $426 | $376 | $319 | $290 | $259 | $236 | $208 |
| Travelers | $722 | $516 | $407 | $313 | $276 | $203 | $185 | $171 | $158 | $137 |
| Geico | $729 | $532 | $447 | $324 | $279 | $225 | $208 | $172 | $162 | $147 |
| Nationwide | $792 | $726 | $669 | $567 | $479 | $310 | $288 | $268 | $253 | $226 |
| Allstate | $873 | $684 | $553 | $410 | $367 | $286 | $260 | $246 | $232 | $205 |
| Progressive | $1,058 | $853 | $708 | $393 | $343 | $277 | $247 | $220 | $203 | $174 |
| Farmers | $1,248 | $925 | $823 | $511 | $482 | $366 | $327 | $313 | $297 | $249 |
Cost of Car Insurance for 2022 Jeep Wrangler
| National General | $51 | $104 |
| Geico | $51 | $111 |
| Travelers | $56 | $103 |
| Progressive | $67 | $126 |
| State Farm | $70 | $146 |
| Kemper | $76 | $152 |
| AAA | $76 | $157 |
| Amica | $78 | $160 |
| Allstate | $83 | $160 |
| Nationwide | $87 | $150 |
| Chubb | $97 | $190 |
| AIG | $97 | $245 |
| Farmers | $98 | $173 |
| The Hartford | $113 | $193 |
| UAIC | $121 | $154 |
2022 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $548 | $482 | $427 | $369 | $325 | $276 | $251 | $224 | $205 | $180 |
| Travelers | $625 | $447 | $353 | $271 | $239 | $176 | $161 | $148 | $137 | $119 |
| Geico | $631 | $460 | $387 | $281 | $242 | $195 | $180 | $149 | $141 | $128 |
| Nationwide | $686 | $629 | $579 | $492 | $415 | $269 | $249 | $232 | $219 | $196 |
| Allstate | $756 | $593 | $479 | $355 | $318 | $248 | $225 | $213 | $201 | $177 |
| Progressive | $916 | $739 | $613 | $341 | $297 | $240 | $214 | $191 | $176 | $151 |
| Farmers | $1,081 | $802 | $713 | $443 | $417 | $317 | $283 | $271 | $258 | $216 |
Cost of Car Insurance for 2021 Jeep Wrangler
| National General | $49 | $101 |
| Geico | $50 | $109 |
| Travelers | $55 | $101 |
| Progressive | $66 | $123 |
| State Farm | $68 | $142 |
| Kemper | $74 | $149 |
| AAA | $74 | $154 |
| Amica | $76 | $156 |
| Allstate | $81 | $156 |
| Nationwide | $86 | $147 |
| Chubb | $95 | $186 |
| AIG | $95 | $240 |
| Farmers | $96 | $169 |
| The Hartford | $111 | $189 |
| UAIC | $119 | $150 |
2021 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $536 | $472 | $417 | $360 | $318 | $270 | $246 | $219 | $200 | $176 |
| Travelers | $611 | $437 | $345 | $265 | $234 | $172 | $157 | $145 | $134 | $116 |
| Geico | $617 | $450 | $378 | $275 | $236 | $191 | $176 | $145 | $137 | $125 |
| Nationwide | $671 | $615 | $567 | $481 | $406 | $263 | $244 | $227 | $214 | $192 |
| Allstate | $740 | $580 | $469 | $347 | $311 | $242 | $220 | $208 | $196 | $173 |
| Progressive | $896 | $723 | $600 | $333 | $290 | $235 | $209 | $187 | $172 | $147 |
| Farmers | $1,057 | $784 | $698 | $433 | $408 | $310 | $277 | $265 | $252 | $211 |
Cost of Car Insurance for 2020 Jeep Wrangler
| National General | $49 | $100 |
| Geico | $49 | $107 |
| Travelers | $54 | $99 |
| Progressive | $65 | $121 |
| State Farm | $67 | $140 |
| Kemper | $73 | $147 |
| AAA | $73 | $152 |
| Amica | $75 | $154 |
| Allstate | $80 | $154 |
| Nationwide | $84 | $145 |
| Chubb | $94 | $183 |
| AIG | $94 | $236 |
| Farmers | $94 | $167 |
| The Hartford | $109 | $187 |
| UAIC | $117 | $148 |
2020 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $529 | $465 | $411 | $356 | $314 | $267 | $242 | $216 | $198 | $174 |
| Travelers | $603 | $431 | $340 | $262 | $231 | $170 | $155 | $143 | $132 | $115 |
| Geico | $609 | $444 | $373 | $271 | $233 | $188 | $173 | $143 | $136 | $123 |
| Nationwide | $662 | $606 | $559 | $474 | $400 | $259 | $240 | $224 | $212 | $189 |
| Allstate | $730 | $572 | $462 | $342 | $306 | $239 | $217 | $205 | $194 | $171 |
| Progressive | $884 | $713 | $591 | $328 | $287 | $231 | $206 | $184 | $169 | $145 |
| Farmers | $1,043 | $773 | $688 | $427 | $403 | $306 | $273 | $261 | $248 | $208 |
Cost of Car Insurance for 2019 Jeep Wrangler
| Geico | $59 | $129 |
| National General | $67 | $137 |
| Travelers | $74 | $137 |
| State Farm | $84 | $175 |
| Progressive | $87 | $164 |
| AAA | $97 | $200 |
| Kemper | $99 | $201 |
| Nationwide | $100 | $172 |
| Amica | $104 | $213 |
| Allstate | $108 | $209 |
| The Hartford | $108 | $185 |
| Farmers | $124 | $218 |
| AIG | $131 | $333 |
| Chubb | $134 | $264 |
| UAIC | $143 | $180 |
2019 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $659 | $580 | $513 | $443 | $391 | $332 | $302 | $270 | $247 | $217 |
| Geico | $730 | $532 | $446 | $324 | $279 | $225 | $207 | $172 | $162 | $147 |
| Nationwide | $783 | $717 | $661 | $561 | $473 | $307 | $284 | $265 | $250 | $224 |
| Travelers | $833 | $595 | $468 | $360 | $317 | $233 | $213 | $196 | $181 | $157 |
| Allstate | $995 | $780 | $628 | $464 | $415 | $324 | $295 | $278 | $262 | $232 |
| Progressive | $1,193 | $963 | $798 | $445 | $388 | $313 | $279 | $249 | $229 | $196 |
| Farmers | $1,347 | $999 | $889 | $556 | $525 | $399 | $355 | $340 | $323 | $272 |
Cost of Car Insurance for 2018 Jeep Wrangler
| Geico | $58 | $126 |
| National General | $67 | $138 |
| Travelers | $73 | $134 |
| State Farm | $80 | $166 |
| Progressive | $83 | $154 |
| Kemper | $91 | $184 |
| Nationwide | $93 | $160 |
| AAA | $95 | $198 |
| Amica | $104 | $212 |
| The Hartford | $105 | $180 |
| Allstate | $107 | $206 |
| Farmers | $120 | $211 |
| AIG | $130 | $332 |
| Chubb | $135 | $266 |
| UAIC | $139 | $175 |
2018 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $625 | $550 | $487 | $420 | $371 | $316 | $287 | $256 | $234 | $206 |
| Geico | $714 | $520 | $437 | $317 | $273 | $220 | $203 | $168 | $159 | $144 |
| Nationwide | $729 | $667 | $614 | $521 | $440 | $285 | $264 | $247 | $233 | $209 |
| Travelers | $814 | $582 | $459 | $353 | $311 | $229 | $209 | $193 | $178 | $155 |
| Allstate | $981 | $769 | $620 | $457 | $410 | $320 | $290 | $274 | $259 | $229 |
| Progressive | $1,125 | $908 | $753 | $419 | $366 | $295 | $263 | $234 | $216 | $185 |
| Farmers | $1,302 | $965 | $860 | $538 | $508 | $386 | $344 | $329 | $313 | $263 |
Cost of Car Insurance for 2017 Jeep Wrangler
| Geico | $56 | $120 |
| National General | $69 | $141 |
| Travelers | $73 | $134 |
| State Farm | $78 | $161 |
| Progressive | $81 | $151 |
| Kemper | $86 | $173 |
| Nationwide | $92 | $159 |
| AAA | $95 | $198 |
| Allstate | $105 | $203 |
| The Hartford | $106 | $180 |
| Amica | $106 | $217 |
| Farmers | $119 | $209 |
| AIG | $132 | $336 |
| UAIC | $137 | $172 |
| Chubb | $137 | $271 |
2017 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $606 | $533 | $472 | $407 | $360 | $306 | $278 | $248 | $227 | $200 |
| Geico | $684 | $498 | $418 | $303 | $261 | $211 | $194 | $161 | $152 | $138 |
| Nationwide | $721 | $660 | $607 | $515 | $435 | $282 | $262 | $244 | $231 | $206 |
| Travelers | $811 | $580 | $457 | $352 | $310 | $228 | $208 | $192 | $177 | $154 |
| Allstate | $970 | $760 | $612 | $452 | $405 | $316 | $287 | $271 | $256 | $226 |
| Progressive | $1,103 | $890 | $738 | $411 | $359 | $290 | $258 | $230 | $212 | $182 |
| Farmers | $1,291 | $957 | $853 | $533 | $504 | $383 | $341 | $326 | $310 | $261 |
Cost of Car Insurance for 2016 Jeep Wrangler
| Geico | $53 | $115 |
| National General | $66 | $135 |
| Travelers | $70 | $128 |
| State Farm | $75 | $156 |
| Progressive | $78 | $147 |
| Kemper | $84 | $168 |
| Nationwide | $89 | $154 |
| AAA | $92 | $190 |
| Allstate | $101 | $195 |
| Amica | $102 | $208 |
| The Hartford | $102 | $174 |
| Farmers | $114 | $201 |
| AIG | $126 | $323 |
| Chubb | $131 | $259 |
| UAIC | $131 | $165 |
2016 Jeep Wrangler Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $585 | $515 | $456 | $393 | $347 | $295 | $268 | $240 | $219 | $193 |
| Geico | $654 | $477 | $400 | $290 | $250 | $202 | $186 | $154 | $145 | $132 |
| Nationwide | $701 | $641 | $590 | $501 | $423 | $274 | $254 | $237 | $224 | $201 |
| Travelers | $779 | $558 | $440 | $338 | $298 | $219 | $200 | $184 | $170 | $148 |
| Allstate | $930 | $728 | $587 | $433 | $388 | $303 | $275 | $260 | $245 | $217 |
| Progressive | $1,067 | $862 | $715 | $398 | $347 | $280 | $250 | $223 | $205 | $176 |
| Farmers | $1,244 | $922 | $821 | $514 | $485 | $369 | $329 | $314 | $299 | $251 |
Jeep Wrangler Insurance Cost by Trim
Insurance costs for your Jeep Wrangler vary by trim, from $447 monthly for full coverage on high-performance Rubicon 392 Final Edition 4d models to just $61 for minimum coverage on 80th Edition Sport Utility 2d variants. Market value and rarity determine where each trim falls in this range.
| 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 |
Is It Expensive to Upgrade Your Jeep Wrangler Trim?
Moving from the Jeep Wrangler base SE or Sport through the Sport S, Altitude, Rubicon and Sahara variants adds at most $124 a month, an amount that scales gradually with the trim's capability and market value. The Rubicon X adds $138 to $157 per month over base, or roughly $1,656 to $1,884 a year.
The Rubicon 392 is a different vehicle entirely. At $409 to $447 a month for full coverage, it adds up to $329 more per month than the base, or nearly $4,000 a year. That's a supercharged 6.4-liter V8 in a Jeep Wrangler, and insurers price it accordingly. If the 392 is on your list, build the insurance cost into your ownership budget before you commit.
Jeep Wrangler Insurance Cost by State
Car insurance for a Jeep Wrangler costs as much as $169 monthly in Louisiana or as little as $31 in Wyoming for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything specific to the Wrangler itself.
| 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 |
How to Lower the Cost of Jeep Wrangler Insurance
- 1Choose the right coverage
Figure out how much coverage to buy for your Jeep Wrangler. If you own your vehicle outright, your state's minimum liability plus comprehensive and collision at a $1,000 deductible keeps costs down. For more protection, go with 100/300/100 liability with comprehensive and collision at a $500 deductible. If you're financing or leasing, you'll need 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for SUVs. Use that benchmark to compare options and avoid overpaying.
- 3Look beyond low rates
A low quote doesn't always mean a good deal. Our picks for the best car insurance companies factor in customer satisfaction and financial strength alongside price, and are worth a look before you commit. You can also check J.D. Power ratings, BBB complaints and AM Best financial stability scores directly. Budget insurers sometimes offer limited coverage or slow claims service, and that gap shows up when you need to file.
- 4Find discounts you qualify for
Check for car insurance discounts that apply to your situation. Jeep Wrangler owners often qualify for safety feature discounts, good driver rewards, bundling savings and anti-theft device discounts. These can cut your premium without changing your coverage.
- 5Consider alternative car insurance types
Usage-based insurance programs like Progressive Snapshot or Allstate Drivewise track your driving and lower your rate based on how safely and how often you drive. They're a good fit if you're a careful or low-mileage driver.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Your insurer won't alert you when a competitor drops their rates, and yearly comparisons can save up to 24% on Jeep Wrangler insurance. Rates shift, so make a habit of checking.
Jeep Wrangler Insurance Cost: Bottom Line
Jeep Wrangler insurance runs close to average, but rates still vary widely by insurer. Compare quotes and apply any discounts you qualify for to bring your premium down.
Jeep Wrangler Insurance Rates: FAQ
Jeep Wrangler insurance averages $1,027 annually for state minimum coverage and $1,988 for full coverage. Monthly premiums run $86 for minimum coverage and $166 for full coverage.
GEICO provides the most affordable auto insurance for Jeep Wrangler owners at $730 annually for minimum coverage. For full coverage, GEICO also leads with the best rate at $1,580 a year.
No. The Wrangler ranks 299th out of 827 vehicles for insurance affordability, putting it in the cheaper half overall. Among SUVs, it ranks 70th out of 256.
The Wrangler's doors, tops and body panels detach easily. That makes it a common theft target. Specialized off-road components also cost more to repair. Your driving record, credit score and coverage choices all factor into your final rate.
Compare quotes from multiple insurers, since rates for the Wrangler vary widely by company. Look into usage-based programs, claim any available discounts and bundle with home or renters insurance. A clean driving record helps, too.
How We Determined Jeep Wrangler Insurance Costs
We analyzed hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to build the most accurate picture of Jeep Wrangler insurance costs.
Who We Based These Rates On
These Jeep Wrangler prices are based on a driver with this profile:
- 40-year-old unmarried male
- Clean record: no tickets or at-fault crashes
- Good credit score
- No prior insurance claims
- About 12,000 miles driven per year
- Valid license with no suspensions
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 is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.