The 2024 Jeep Wrangler costs an average of $1,920 per year ($160/month) to insure for full coverage — $84 below the national average.
How Much Does It Cost to Insure a Jeep Wrangler?
The average cost to insure a 2024 Jeep Wrangler is $1,920 per year ($160/month) for full coverage — $84 below the national average of $2,004. This vehicle's insurance cost is driven by rollover risk, below-average crash ratings versus crossovers, and high theft rates for older models.
| Insurer | Full Coverage/Yr | Liability Only/Yr | Best For |
|---|---|---|---|
| Geico | $1,612 | $614 | Clean record drivers |
| State Farm | $1,862 | $710 | Local agent experience |
| Progressive | $2,073 | $787 | High-risk drivers |
| Allstate | $2,284 | $864 | New car replacement |
| Nationwide | $1,747 | $672 | Safe driver rewards |
| USAA | $1,401 | $537 | Military only |
What Factors Determine Jeep Wrangler Insurance Rates
- Model year: Newer Jeep Wrangler models cost more to insure due to higher vehicle values and more expensive technology components.
- Trim level: Higher trim levels with more features cost more since repairs are more expensive.
- Your location: Jeep Wrangler insurance rates can vary by 50–100% between states.
- Your driving record: Your personal driving history affects your rate far more than the vehicle itself.
- Deductible choice: A $1,000 deductible instead of $500 reduces your Jeep Wrangler premium by approximately 15–20 percent.
Cheapest Way to Insure a Jeep Wrangler
- Compare at least 5 insurers — rates for the Jeep Wrangler vary significantly between companies.
- Bundle your Jeep Wrangler insurance with home or renters insurance for 10–25% multi-policy savings.
- Choose a higher deductible to save 15–20 percent on collision and comprehensive.
- Enroll in a telematics program if you are a safe driver for 10–30% additional savings.
- Ask about anti-theft and safety feature discounts that apply to the Jeep Wrangler.
Pro Tip
Get insurance quotes for the Jeep Wrangler before purchasing. The difference in insurance cost between trim levels and model years can be $400–$800 per year — a significant factor in total 5-year ownership cost.