It costs an average of $1,654 per year to insure a Jeep Wrangler, according to our research.

What you pay for Jeep Wrangler car insurance varies based on the model you own—whether it’s a Sport, Sahara or Rubicon. The price also depends on the trim and the number of doors. Where you live and where you buy your policy are major factors in your insurance rates, too.

Something else that impacts Jeep Wrangler insurance premiums is customizing or modding your vehicle.

In this article, you’ll learn about:

How much does Jeep Wrangler insurance cost?

Jeep Wrangler insurance costs $138 per month, on average. You might pay more or less than that amount based on your location. We found average Wrangler insurance rates in California to be $197 per month, for example. In Wisconsin, we found that Wrangler insurance costs an average of $64 per month.

The cost of Jeep Wrangler insurance depends on a number of other rate factors, too, including your gender, your age and your driving record. The model you buy, whether you modify or customize your Wrangler and where you buy your coverage play important roles, too.

Which companies offer the cheapest Jeep Wrangler insurance?

GEICO charges $1,254 per year for Jeep Wrangler car insurance, on average—compared to Progressive and Allstate, which charge an average of $1,278 and $2,430 per year.

These average Wrangler insurance rates come from sample quotes gathered across two states and several models and trim options.

Here are the monthly rate quotes we received to insure a Jeep Wrangler in California.

Average monthly Jeep Wrangler insurance rates in California
Insurance company Wrangler Sport 2-Door Sport 4-Door Wrangler Sahara 2D Sahara 4D Wrangler Rubicon 2D Rubicon 4D Average rate
Allstate $247 $255 N/A $269 $275 $290 $267
GEICO $149 $156 $151 $170 $156 $175 $160
Progressive $165 $165 $165 $165 $165 $165 $165

And here are the monthly rate quotes we gathered for Jeep Wrangler insurance in Wisconsin.

Average monthly Jeep Wrangler insurance rates in Wisconsin
Insurance company Wrangler Sport 2-Door Sport 4-Door Wrangler Sahara 2D Sahara 4D Wrangler Rubicon 2D Rubicon 4D Average rate
Allstate $127 $127 N/A $144 $147 $147 $138
GEICO $51 $48 $49 $51 $49 $48 $50
Progressive $48 $48 $48 $48 $48 $48 $48

A few notes about these Jeep Wrangler insurance quotes:

  • Allstate doesn’t allow car insurance shoppers who use its site to choose a two-door option for the Jeep Wrangler Sahara.
  • Progressive doesn’t ask visitors to specify which Wrangler model they own. It only asks if their Wrangler has a four- or six-cylinder engine.
  • The Progressive quotes above are for four-cylinder Wranglers. The quotes we got from Progressive for a six-cylinder Wrangler in Wisconsin came to $288 for a six-month policy. The quotes we got for California came to $1,075.

You might have expected four-door Jeep Wranglers to be cheaper to insure than two-door Wranglers. That’s usually how it works, after all—with sedans being cheaper to insure than sporty coupes. Not in this case. This could be because the four-door Jeep Wrangler Unlimited models cost more and have more impressive trim levels than the company’s two-door models.

Regardless, Progressive offered the best Jeep Wrangler insurance rates overall in our survey of car insurance companies. GEICO’s Wrangler insurance rates were nearly as good, though, and in some cases they were better than Progressive’s.

Although age doesn’t affect Jeep Wrangler insurance rates as much as you might imagine, it does affect them. For example, here are some quotes from Progressive for monthly Jeep Wrangler insurance rates of three different model years in California.

California Jeep Wrangler insurance rates by model year
Jeep Wrangler model Monthly rate
2019 Jeep Wrangler $48
2016 Jeep Wrangler $46
2013 Jeep Wrangler $43

Here are Progressive quotes we gathered in Wisconsin for Jeep Wranglers of three different model years.

Wisconsin Jeep Wrangler insurance rates by model year
Jeep Wrangler model Monthly rate
2019 Jeep Wrangler $165
2016 Jeep Wrangler $159
2013 Jeep Wrangler $149

Unlike some of the Jeep Wrangler insurance quotes highlighted earlier, these make perfect sense. Older vehicles typically are cheaper to insure than newer vehicles. And that’s because older vehicles are worth less and are less expensive to repair than newer vehicles.

Do young drivers pay more for Jeep Wrangler insurance?

Yes, teen and young drivers often pay more for Jeep insurance than older, more experienced drivers do.

This doesn’t mean, however, that teens who drive Jeep Wranglers pay more to insure their vehicles than they would if they owned another kind of car.

Still, Wrangler insurance premiums are sure to be high for young drivers. Individual car insurance policies for 16-year-old drivers cost $438 a month, on average.

Let us help you find cheap Jeep Wrangler insurance.

Why is Jeep Wrangler insurance cheap?

One of the main reasons Jeep Wrangler insurance is cheap is Wranglers tend to be cheap to repair.

Owners can even make certain repairs themselves, if they’d like. Wrangler roofs, windshields and doors are easy to remove and replace.

Another likely reason Wrangler insurance is cheap: car thieves don’t target Jeeps as much as they target many other vehicle makes and models.

The Wrangler’s overall sturdiness and the fact that it often includes safety features like anti-lock brakes and passive restraint systems probably help bring down the price of insurance coverage, too.

Is auto insurance for modified Jeep Wranglers cheap?

Although Jeep Wrangler insurance usually is cheap, the price can go up if you modify your vehicle, as many owners do.

Why? One reason Wrangler insurance can be expensive, and cumbersome, is some companies and policies won’t cover mods. And many that do cover Wrangler mods don’t cover all of them—like winches, or mods that lift the vehicle above a certain height. Or they only cover them up to a set dollar amount.

A few other things to keep in mind if you want to insure a modified or customized Jeep Wrangler:

  • Even companies that insure all Jeep mods probably won’t cover labor, which can be costly.
  • Most insurers that cover customized Wranglers require receipts for each part.
  • Regardless, make sure whatever car insurance policy you buy fully covers, or covers as fully as possible, your mods. Also, update your policy—and increase its payout value, if needed—whenever you add another mod to your Jeep.
  • If your Jeep Wrangler mods are pricey, ask if you can get a rider for them. And if that’s not enough, ask if you can get a declared or stated value policy.
  • Look into collector car insurance for your modded Jeep Wrangler, too—especially if you rarely drive it. Many insurers won’t sell this to you, however, if you often go off-road.
  • Carefully read over any policy you get for a customized Jeep. If coverage for your Wrangler mods isn’t clearly listed, have your agent add it. Your insurance provider may not cover anything that’s not in writing if something damages or destroys your modded vehicle, or if someone steals it.

What are the best insurance companies for modified Jeep Wranglers? Owners who’ve gone through the process say GEICO and State Farm are particularly good about covering Wrangler mods without limits.

Don’t just take their word for it, though. Shop around and compare quotes from several insurers to get the Wrangler coverage you need and want for your best price.


We compared rates from three top auto insurance companies for this sample. These rates are for a 40-year-old male with a clean driving record. He has 100/300/50 car insurance coverage, 25/50 uninsured motorist coverage and $500 deductibles for both comprehensive and collision coverage. Your rates will vary based on a variety of factors, including car model, where you live, your driving record and more. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.