Estimates, not quotes

Jeep Wrangler vs Volkswagen Tiguan Insurance Cost

The Jeep Wrangler is cheaper to insure by about $10 a year for full coverage by our estimate ($1,355 vs. $1,365), and cheaper in 37 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageJeep WranglerVolkswagen TiguanDifference
State minimum$675$570+$105
Standard (100/300/100)$980$830+$150
Full coverage$1,355$1,365−$10

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Wrangler minus Tiguan.

Why one costs more to insure

FactorJeep WranglerVolkswagen Tiguan
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline
HLDI collision (100 = avg)4772
HLDI comprehensive4272
HLDI property damage liability13188
HLDI bodily injury liability109100
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)93

Collision losses are the biggest swing factor: the Volkswagen Tiguan has 25 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Jeep Wrangler.

Wrangler vs Tiguan insurance by state

StateWranglerTiguanDifference
Alabama$1,135$1,175−$40
Alaska$1,170$1,190−$20
Arizona$1,430$1,435−$5
Arkansas$1,120$1,180−$60
California$1,285$1,320−$35
Colorado$1,495$1,545−$50
Connecticut$1,485$1,460+$25
Delaware$1,605$1,545+$60
District of Columbia$1,680$1,710−$30
Florida$2,095$1,990+$105
Georgia$1,765$1,710+$55
Hawaii$905$930−$25
Idaho$905$920−$15
Illinois$1,145$1,175−$30
Indiana$935$960−$25
Iowa$840$910−$70
Kansas$1,010$1,075−$65
Kentucky$1,145$1,150−$5
Louisiana$1,895$1,895—
Maine$830$860−$30
Maryland$1,545$1,535+$10
Massachusetts$1,320$1,335−$15
Michigan$1,450$1,475−$25
Minnesota$1,080$1,130−$50
Mississippi$1,245$1,295−$50
Missouri$1,190$1,230−$40
Montana$1,000$1,070−$70
Nebraska$1,010$1,075−$65
Nevada$1,685$1,600+$85
New Hampshire$935$960−$25
New Jersey$1,725$1,665+$60
New Mexico$1,190$1,215−$25
New York$1,900$1,850+$50
North Carolina$940$995−$55
North Dakota$770$850−$80
Ohio$940$965−$25
Oklahoma$1,150$1,215−$65
Oregon$1,275$1,240+$35
Pennsylvania$1,130$1,175−$45
Rhode Island$1,700$1,660+$40
South Carolina$1,505$1,475+$30
South Dakota$905$1,015−$110
Tennessee$1,075$1,120−$45
Texas$1,550$1,605−$55
Utah$1,280$1,250+$30
Vermont$815$870−$55
Virginia$1,160$1,170−$10
Washington$1,225$1,200+$25
West Virginia$1,065$1,125−$60
Wisconsin$885$925−$40
Wyoming$930$1,040−$110

By driver profile (full coverage)

DriverWranglerTiguan
Teen driver (18, own policy)$3,720$3,750
Young adult (22)$2,165$2,180
Adult in their 30s$1,355$1,365
Adult in their 50s$1,245$1,255
Senior (72)$1,515$1,525
30s, one at-fault accident$1,960$1,975
30s, DUI on record$2,505$2,520

More comparisons

Frequently asked questions

Is the Jeep Wrangler or the Volkswagen Tiguan cheaper to insure?

By our estimate the Jeep Wrangler is cheaper, by about $10 a year for full coverage ($1,355 vs. $1,365) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jeep Wrangler and Volkswagen Tiguan?

Mostly because of insurance-loss history: HLDI collision indices of 47 vs. 72 and comprehensive indices of 42 vs. 72 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page