Everything You Need to Know About Insurance for Jeep Wranglers

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Choosing the right insurance for your Jeep Wrangler is an important step in protecting your investment. Fortunately, you have a few options available for insuring your Wrangler, and understanding the types of coverage can help you make the right choice.

How Much Does It Cost to Insure a Jeep Wrangler?

Jeep Wrangler insurance rates tend to be slightly cheaper when compared to other vehicles. In fact, insurance rates can be, on average, $263 cheaper. The average Jeep Wrangler costs approximately $105 each month to insure. Of course, opting for minimum coverage or taking advantage of insurance discounts can result in even cheaper rates. Here is how Jeep Wrangler insurance rates compare to other vehicles, according to Autoinsurance.org:

  • Jeep Wrangler: $280 (comprehensive), $376 (collision), $420 (liability), $ 1256 (total).
  • Subaru Forester: $346 (comprehensive), $512 (collision), $332 (liability), $1326 (total).
  • Jeep Cherokee: $348 (comprehensive), $626 (collision), $466 (liability), $1640 (total).
  • Jeep Compass: $294 (comprehensive, $500 (collision), $372 (liability), $1324 (total).
  • Mercedes-Benz GLA 250: $370 (comprehensive), $714 (collision), $450 (liability), $1714 (total).
  • Audi Q3: $344 (comprehensive), $686 (collision), $398 (liability), $1586 (total).
  • GMC Terrain: $322 (comprehensive), $562 (collision), $316 (liability), $1336 (total).

    Jeep Wranglers tend to be one of the most affordable vehicles to insure. However, other factors, like age and driving record can further influence your car insurance rates.

    Factors That Affect Jeep Wrangler Insurance Rates

    A few factors go into calculating insurance rates for a Jeep Wrangler. These include:

    • Age of the vehicle: Newer Jeep Wrangler models typically cost more to insure because the cost to replace the vehicle is higher. The total cost to insure a 2020 Jeep Wrangler is, on average, $1256 versus a 2010 model, of $1102 annually.
    • Trim level: The specific trim level of your Jeep Wrangler can also affect insurance rates. Sport trim levels with two doors can have higher insurance rates by as much as 14 percent.
    • Driver age: Younger drivers tend to have higher insurance rates because they are considered higher risk. A 20-year-old driver may pay, on average, $128 more than a 30-year-old driver annually.
    • Location: Where you drive and store your Jeep Wrangler will also affect insurance rates. Drivers in larger cities tend to pay slightly more each year than drivers in smaller cities.
    • Driving record: The insured driver’s record will significantly affect insurance rates. Drivers with traffic violations, a DUI, or previous accidents will have higher insurance rates.
    • Safety features and ratings: The available safety features, as well as the vehicle’s safety ratings, will impact insurance rates. Jeep Wranglers with good safety and crash test ratings will be slightly less to insure.
    • Type of insurance purchased: The amount of insurance coverage you purchase will also affect insurance rates. Some drivers may choose no-fault insurance, whereas others opt for full coverage. In addition to evaluating what each type of insurance covers, it is also important to look at your state’s laws. Most states have requirements as to the minimum amount of insurance you must carry.

      Shopping around with different insurance providers can help you find the best rate. According to The Drive, the Wrangler’s base premium is set from the typical cost of similar vehicles and the average age and driving record of other Wrangler drivers.

      Top Insurance Providers for Jeep Wranglers

      Choosing the right insurance is crucial when it comes to protecting yourself and your Jeep Wrangler. It can be helpful to evaluate what other Jeep Wrangler drivers choose as their insurance provider. Here are a few of the top insurance providers among other Jeep Wrangler drivers:

      • State Farm: 9.3 percent market share of Jeep Wrangler drivers.
      • GEICO: 6.6 percent market share of Jeep Wrangler drivers.
      • Progressive: 5.6 percent market share of Jeep Wrangler drivers.
      • Liberty Mutual: 5.1 percent market share of Jeep Wrangler drivers.
      • Allstate: 5.0 percent market share of Jeep Wrangler drivers.
      • Travelers: 4.0 percent market share of Jeep Wrangler drivers.
      • USAA: 3.3 percent market share of Jeep Wrangler drivers.
      • Chubb: 3.3 percent market share of Jeep Wrangler drivers.
      • Farmers: 2.9 percent market share of Jeep Wrangler drivers.
      • Nationwide: 2.6 percent market share of Jeep Wrangler drivers.

        A few of the top insurance providers for Jeep Wranglers include Allstate, Liberty Mutual, Esurance, and State Farm.

        Cheapest Insurance Rates Based on Model Year

        Older Jeep Wranglers tend to be cheaper to insure and rates can decrease with each year. We have found the best rates for Jeep Wranglers to be with Liberty Mutual and GEICO.

        • 2020 Jeep Wrangler: Liberty Mutual with an average annual rate of $370.
        • 2019 Jeep Wrangler: Liberty Mutual with an average annual rate of $253.
        • 2018 Jeep Wrangler: GEICO with an average annual rate of $487.
        • 2017 Jeep Wrangler: GEICO with an average annual rate of $441.
        • 2016 Jeep Wrangler: GEICO with an average annual rate of $467.
        • 2015 Jeep Wrangler: GEICO with an average annual rate of $470.
        • 2014 Jeep Wrangler: GEICO with an average annual rate of $487.
        • 2013 Jeep Wrangler: GEICO with an average annual rate of $447.
        • 2012 Jeep Wrangler: GEICO with an average annual rate of $442.
        • 2011 Jeep Wrangler: GEICO with an average annual rate of $439.
        • 2010 Jeep Wrangler: State Farm with an average annual rate of $383.

          It is important to also consider other factors when choosing the best insurance provider.

          How to Choose the Best Jeep Wrangler Insurance

          Shopping around is the best way to find the cheapest insurance for your needs. You might also check out reviews to get a better idea of what other customers like and dislike about the provider. It can take up to six years for an accident to be removed from your driving record, so you may want to wait before switching insurance providers.

          If you have an older Jeep Wrangler, you may also be able to cut insurance costs by reducing your coverage. The cost to replace an older Jeep Wrangler is not as expensive as replacing a newer one, so you may not need the full coverage.

          Taking advantage of insurance discounts is another great way to save on insurance rates. Some insurance companies offer discounts to drivers with a good driving record or continued coverage. State Farm is well-known for offering many discounts, like multipolicy, good student, anti-theft device, and defensive driving discounts.

          Take advantage of referral fees to maximize your savings. Finally, never assume that your Jeep Wrangler is the cheapest vehicle to insure. Compare quotes among different vehicles as well as different insurance providers.

          Sources:

          https://www.autoinsurance.org/how-much-is-insurance-for-a-jeep-wrangler/

          https://www.thedrive.com/news/2383/whys-jeep-wrangler-insurance-so-damn-cheap

          https://www.caranddriver.com/car-insurance/a35434289/geico-car-insurance/

          https://www.caranddriver.com/car-insurance/a35472945/how-to-choose-car-insurance/

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