Jeep Wrangler Insurance Cost

Full coverage for a Jeep Wrangler costs about $1,355 a year ($113/month) by our estimate — ▼ −15% versus the average vehicle, ranking 36th cheapest of 310 current models.

Jeep Wrangler exterior (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

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

Jeep Wrangler insurance cost at a glance

Full coverage

$1,355

$113/mo · $1,110–$1,595

Minimum liability

$675

$56/mo

Segment

Midsize SUV

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

Much better than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Jeep Wrangler.

Estimated Jeep Wrangler premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$675	$56	$555–$795
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$980	$82	$805–$1,155
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,355	$113	$1,110–$1,595

What drives the cost of insuring a Jeep Wrangler

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Jeep Wrangler's results put our vehicle factor at 1.10× for liability, 0.55× for collision and 0.50× for comprehensive.

HLDI relative insurance losses — Jeep Wrangler 2dr convertible 4WD (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	47	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	42	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	131	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	109	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	67	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	54	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Jeep Wrangler 2dr convertible 4WD	47	42	131	109
Jeep Wrangler 4dr convertible 4WD	60	70	148	118
Jeep Wrangler plug-in hybrid 4dr convertible 4WD	68	63	173	145

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Recalls & complaints: 9 NHTSA recall campaigns and 85 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Jeep Wrangler trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Wrangler 2dr 4WD	4WD	2.0L 4-cyl Turbo	21
Wrangler 2dr 4WD	4WD	3.6L 6-cyl	19
Wrangler 4dr 4WD	4WD	2.0L 4-cyl Turbo	21
Wrangler 4dr 4WD	4WD	3.6L 6-cyl	19
Wrangler 4dr 4WD	4WD	6.4L 8-cyl	14

Jeep Wrangler insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo, 3.6L 6-cyl, 6.4L 8-cyl	4WD	14–21	$1,355
2026	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl	4WD	14–21	$1,335
2025	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl	4WD	14–21	$1,320
2024	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl	4WD	14–21	$1,300
2023	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Diesel	4WD	14–25	$1,285
2022	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Diesel	4WD	14–25	$1,270
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Diesel	4WD	14–25	$1,250
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Diesel	4WD	19–25	$1,235
2019	2.0L 4-cyl Turbo Hybrid, 3.6L 6-cyl	4WD	19–24	$1,220
2018	2.0L 4-cyl Turbo Hybrid, 3.6L 6-cyl	4WD	18–24	$1,200
2017	3.6L 6-cyl	4WD	18	$1,185
2016	3.6L 6-cyl	4WD	18	$1,170
2015	3.6L 6-cyl	4WD	18	$1,165
2014	3.6L 6-cyl	4WD	18	$1,165
2013	3.6L 6-cyl	4WD	18	$1,165
2012	3.6L 6-cyl	4WD	18	$1,165
2011	3.8L 6-cyl	4WD	17	$1,165
2010	3.8L 6-cyl	4WD, RWD	17	$1,165
2009	3.8L 6-cyl	4WD/AWD, RWD	16–17	$1,165
2008	3.8L 6-cyl	4WD/AWD, RWD	16–18	$1,165

Jeep Wrangler insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Wrangler page for that state.

State	Full coverage	Minimum	vs. national	Wrangler page
Alabama	$1,135	$530	−16%	Wrangler in AL
Alaska	$1,170	$685	−14%	Wrangler in AK
Arizona	$1,430	$725	+6%	Wrangler in AZ
Arkansas	$1,120	$495	−17%	Wrangler in AR
California	$1,285	$630	−5%	Wrangler in CA
Colorado	$1,495	$715	+10%	Wrangler in CO
Connecticut	$1,485	$785	+10%	Wrangler in CT
Delaware	$1,605	$880	+18%	Wrangler in DE
District of Columbia	$1,680	$815	+24%	Wrangler in DC
Florida	$2,095	$1,185	+55%	Wrangler in FL
Georgia	$1,765	$960	+30%	Wrangler in GA
Hawaii	$905	$480	−33%	Wrangler in HI
Idaho	$905	$440	−33%	Wrangler in ID
Illinois	$1,145	$550	−15%	Wrangler in IL
Indiana	$935	$445	−31%	Wrangler in IN
Iowa	$840	$340	−38%	Wrangler in IA
Kansas	$1,010	$445	−25%	Wrangler in KS
Kentucky	$1,145	$580	−15%	Wrangler in KY
Louisiana	$1,895	$870	+40%	Wrangler in LA
Maine	$830	$465	−39%	Wrangler in ME
Maryland	$1,545	$830	+14%	Wrangler in MD
Massachusetts	$1,320	$650	−3%	Wrangler in MA
Michigan	$1,450	$840	+7%	Wrangler in MI
Minnesota	$1,080	$515	−20%	Wrangler in MN
Mississippi	$1,245	$585	−8%	Wrangler in MS
Missouri	$1,190	$565	−12%	Wrangler in MO
Montana	$1,000	$435	−26%	Wrangler in MT
Nebraska	$1,010	$445	−25%	Wrangler in NE
Nevada	$1,685	$955	+24%	Wrangler in NV
New Hampshire	$935	$440	−31%	Wrangler in NH
New Jersey	$1,725	$1,030	+27%	Wrangler in NJ
New Mexico	$1,190	$570	−12%	Wrangler in NM
New York	$1,900	$1,025	+40%	Wrangler in NY
North Carolina	$940	$495	−31%	Wrangler in NC
North Dakota	$770	$305	−43%	Wrangler in ND
Ohio	$940	$445	−31%	Wrangler in OH
Oklahoma	$1,150	$520	−15%	Wrangler in OK
Oregon	$1,275	$690	−6%	Wrangler in OR
Pennsylvania	$1,130	$470	−17%	Wrangler in PA
Rhode Island	$1,700	$900	+25%	Wrangler in RI
South Carolina	$1,505	$805	+11%	Wrangler in SC
South Dakota	$905	$345	−33%	Wrangler in SD
Tennessee	$1,075	$495	−21%	Wrangler in TN
Texas	$1,550	$760	+14%	Wrangler in TX
Utah	$1,280	$720	−6%	Wrangler in UT
Vermont	$815	$350	−40%	Wrangler in VT
Virginia	$1,160	$690	−14%	Wrangler in VA
Washington	$1,225	$650	−10%	Wrangler in WA
West Virginia	$1,065	$480	−21%	Wrangler in WV
Wisconsin	$885	$410	−35%	Wrangler in WI
Wyoming	$930	$355	−31%	Wrangler in WY

Jeep Wrangler insurance by driver profile

Estimated annual Jeep Wrangler premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,855	$2,695	$3,720	$310
Young adult (22)	$1,080	$1,565	$2,165	$180
Adult in their 30s	$675	$980	$1,355	$113
Adult in their 50s	$620	$900	$1,245	$104
Senior (72)	$755	$1,095	$1,515	$126
30s, one at-fault accident	$980	$1,420	$1,960	$163
30s, DUI on record	$1,250	$1,810	$2,505	$209

Jeep Wrangler vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Jeep Wrangler	$1,355	47	42	—
Volkswagen Tiguan	$1,365	72	72	Compare
GMC Acadia	$1,035	64	—	Compare
Ford Edge	$1,365	85	73	Compare

Estimate Jeep Wrangler insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Jeep models

Gladiator $1,635/yr
Grand Cherokee $1,565/yr
Grand Wagoneer $1,745/yr
Cherokee $1,505/yr
Compass $1,580/yr
Recon $1,510/yr
Wagoneer S $1,570/yr
Wagoneer $1,600/yr
Renegade $1,365/yr
Patriot $1,195/yr
Liberty $1,165/yr
Commander $1,190/yr

All Jeep insurance costs →

Frequently asked questions

How much is insurance for a Jeep Wrangler?

We estimate about $1,355 a year ($113 a month) for full coverage and $675 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% less than the average vehicle.

Is the Jeep Wrangler expensive to insure?

HLDI insurance-loss data rates it at 47 for collision and 42 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Jeep Wrangler?

North Dakota has the lowest estimate (about $770 a year for full coverage) and Florida the highest (about $2,095).

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

By our estimate the Jeep Wrangler costs about $1,355 a year versus $1,365 for the Volkswagen Tiguan, making it the cheaper of the two to insure.

How much is Jeep Wrangler insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,720 a year at national-average rates by our estimate.

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