Compare the Cost of Jeep Wrangler Insurance by Model Year and Company


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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.

Key Takeaways

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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.

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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.

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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.

MoneyGeek Logo IconCar Insurance CostsJeep Wrangler
2024

Why Trust MoneyGeek? We based our analysis of average rates for a Jeep Wrangler on thousands of car insurance quotes from Quadrant Information Services

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We updated our rates to find the average cost of car insurance for a Jeep Wrangler in 2023.

10Companies Compared
 
38,844 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Jeep Wrangler

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.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State Farm$1,031
GEICO$1,067
Travelers$1,186
Nationwide$1,301
Allstate$1,324
Progressive$1,378
Farmers$1,426

Is a Jeep Wrangler Expensive to Insure?

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.

Best Companies for Insuring a Jeep Wrangler

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: MoneyGeek score 90 out of 100 ($1,031 per year)
  • GEICO: MoneyGeek score 89 out of 100 ($1,067 per year)

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.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Most affordable option for a Jeep Wrangler

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Has a high customer satisfaction rating

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Offers limited add-on coverages

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Has a low claims satisfaction score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

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Offers affordable rates for a Jeep Wrangler

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Earned a high customer satisfaction score

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Has Mechanical Breakdown Insurance (MBI)

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Doesn’t offer gap insurance

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Has a low claims handling score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Jeep Wrangler by Model Year

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.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
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.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
State Farm$1,174
GEICO$1,214
Travelers$1,261
Nationwide$1,319
Farmers$1,553
Progressive$1,579
Allstate$1,655

Cost of Insuring a Jeep Wrangler for 16- to 25-Year-Olds

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.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16$5,703
17$4,632
18$4,058
19$2,823
20$2,550
21$1,954
22$1,806
23$1,676
24$1,590
25$1,436

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.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State Farm$3,772
Travelers$5,032
Nationwide$5,392
GEICO$5,717
Allstate$7,706
Farmers$7,844
Progressive$8,330

How Does Location Affect the Cost of Jeep Wrangler Insurance?

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Jeep Wrangler Insurance

MoneyGeek answered some commonly asked questions regarding the price and service quality of car insurance for a Jeep Wrangler.

What company has the cheapest car insurance for a Jeep Wrangler?

What company offers the best car insurance for a Jeep Wrangler?

About Mark Fitzpatrick


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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.