Are Jeep Wranglers Expensive to Insure?
Insuring a Jeep Wrangler is generally less expensive than insuring other types of SUVs. On average, it costs $1256 to insure a Jeep Wrangler.
Written by Brittni Brinn
Reviewed by Kathleen Flear
For off-roading, there’s no better choice than a Jeep. Wranglers are a popular model, and compared to other Jeeps and SUVs are not expensive to insure. On average, insurance coverage for Jeep Wranglers will cost around $1256 per year.
There are many factors that affect your insurance rates. Everything from your Jeep’s safety features to your driving record will be considered by your insurance provider. By comparing insurance companies, you can find the best coverage for your Jeep Wrangler without breaking the bank.
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How much does it cost to insure a Jeep Wrangler?
A Jeep Wrangler has lower insurance rates than other SUVs. On average, a Jeep Wrangler costs around $105 a month to insure. This is around $263 less than insurance costs for the average vehicle.
Depending on what kind of plan you have, insurance costs can be further reduced by earning car insurance discounts based on your driving record.
You can also remove coverage that you don’t need for your Jeep to lower your monthly payments even further. However, it’s never a good idea to cut down too much on your insurance, (lest you be stuck with accident damage your policy doesn’t cover).
Factors that affect Jeep Wrangler insurance rates
Insurance rates on a Jeep Wrangler will vary based on a variety of factors. When you’re comparing insurance rates, be sure to take these into account.
Model of Jeep Wrangler
Every year, Jeep Wranglers add more features to their models and employ better safety equipment. Because there are more features to replace if the Jeep is stolen or damaged, newer models tend to be more expensive to insure.
For example, a 2020 model averages $1256 per year to insure, whereas a 2010 model costs around $1102. If you haven’t picked out your new Jeep Wrangler yet, you can save on insurance for a used model.
Driver’s age
Your age will also impact your insurance rates. Teenage drivers have to pay more for their insurance coverage, as much as $4591 per year, compared to the average annual rate of $1256 for drivers in their 40s.
Location
Where you live can significantly affect how expensive your insurance will be. The average insurance rate for people living in Los Angeles, CA is $2148 per year. If you live in Columbus, OH, you’re looking at around $1042 per year for insurance.
Driving record
One of the most important factors in keeping your insurance rates low is a good driving record. A
clean driving record
will keep your insurance down, but if you collect more than one speeding ticket and an accident on your record, you’ll see your insurance rates almost double.Trim
A vehicle trim level is the set of features that are included in a specific model of car. For a Jeep, this may include the number of doors, engine specs, and upholstery type. The more features, the higher the insurance cost, since there is more to potentially repair in case of an accident.
Safety test results
Jeep Wranglers with a higher safety rating and more safety features will be cheaper to insure. Features like backup cameras reduce the chances that you’ll get into an accident, which means the insurance company won’t have to pay out for repairs.
Key Takeaway: Your insurance rate will depend on the model and style of your vehicle, your age, your driving record, and other factors such as location.
How do Jeep Wrangler insurance costs compare to other vehicles?
A Jeep Wrangler is an excellent choice if you want an off-roading vehicle that doesn’t come with high insurance rates. Here’s how the Jeep Wrangler compares to similar types of vehicles when it comes to insurance:
- Compared to other Jeeps:Jeep Cherokee car insurance costsaverage around $1640 per year, while aJeep Compassaverages about $1324 per year. A Jeep Wrangler has a lower average insurance cost at $1256 per year, making it one of the most cost-effective Jeeps to insure.
- Compared to other SUVs: Another popular choice for American drivers,Subaru Forester car insurance costsaround $1,326 per year. On the other hand,Audi Q3 car insurance costson average $1586 per year. At $1256 per year, Jeep Wranglers are generally cheaper to insure than other SUVs.
From the examples above, the Jeep Wrangler comes out on top as one of the most cost-effective models to insure. By comparing insurance rates, you can find the best insurance coverage for your Jeep Wrangler.
How to find the best insurance rates for your Jeep
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FAQs
Is an older Jeep Wrangler cheaper to insure than a new one?
An old Jeep Wrangler is generally cheaper to insure, as it costs less to replace in the case of accident or theft. A Jeep Wrangler made in 2010 is on average around $100 less to insure compared to a current model.
How can I lower my insurance rates for my Jeep Wrangler?
There are a few ways to lower your insurance rates on a Jeep Wrangler. You can earn policy discounts by having a good driving record, choosing a more basic insurance plan, or installing additional safety features. Buying an older model will also lower your insurance rates.
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