The average cost of insurance on a Jeep Wrangler begins at $1,878 a year, but you may score a considerably lower rate if you shop around. Read on for key tips on getting the right car insurance for your current or future Jeep Wrangler at the cheapest price.

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How much does Jeep Wrangler insurance cost?

The average cost of car insurance for an entry-level Jeep Wrangler Sport works out to $157 a month, based on average rates available for the past three model years.

The price of insurance for an older model Jeep is generally cheaper than it is for more recent models. For example, the average price of insurance for a 2018 Wrangler Sport is 10% lower than the cost of insurance for a 2023 model.

Jeep Wrangler insurance rates by model year
Model Year Monthly rate
2023 $160
2022 $158
2021 $152
2018 $144
Rates are for a 35-year-old male with a clean driving record and a Jeep Wrangler Sport.

The trim level you choose also impacts the price of car insurance for a Jeep Wrangler. A vehicle with a higher manufacturer’s suggested retail price (MSRP) or market value generally costs more to insure than a lower-priced vehicle.

For Jeep Wranglers, the cost of insurance for a pricey High Altitude is 11% higher than it is for a Wrangler Sport.

Insurance rates for Jeep Wranglers by model
Jeep Model MSRP Monthly insurance rate
Wrangler Sport $31,195 $160
Willys $42,685 $160
Wrangler Rubicon $47,495 $168
Wrangler High Altitude $55,215 $178
Rates are for a 35-year-old male with a clean driving record.

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Which companies offer the cheapest Jeep Wrangler insurance?

Among large car insurance companies available in most states, Progressive, American Family and Travelers have the cheapest rates for Jeep Wranglers.

However, depending on where you live, you may be able to get a better rate from a regional company, such as Erie or Westfield.

Erie, which is available in 12 states and the District of Columbia, beats the average rate for Jeep Wrangler insurance by 64%. Westfield, available in 10 states, charges rates that are 43% below the average price for these vehicles.

USAA, which is only available to members of the military and their families, has the fifth-lowest car insurance rates for Jeep Wranglers.

Jeep Wrangler insurance rates by company
Company Monthly rate
Erie $56
Westfield $89
CSAA $107
Cincinnati $107
USAA $109
Mercury $111
Progressive $114
Country Financial $123
American Family $131
Travelers $136
GEICO $142
Nationwide $164
Rates are for a 35-year-old male with a clean driving record and a Jeep Wrangler Sport from model years 2021-23.

Do younger drivers pay more for Jeep Wrangler insurance?

Young drivers pay considerably more for insurance on Jeep Wranglers than those in their mid-30s, when most drivers begin to see their rates level off.

For example, an 18-year-old pays nearly three-times as much as a 35-year-old to insure a Jeep Wrangler. The difference between rates for 35-year-olds and 45-year-olds is less than 3%.

Jeep Wrangler insurance rates by driver age
Age of driver Monthly rate
18 $451
25 $190
35 $160
45 $156
Rates are for a male driver with a clean driving record and a 2023 Jeep Wrangler Sport.

How does Jeep Wrangler car insurance compare?

Jeep Wranglers are simple, sturdy vehicles that are generally easier to repair and cheaper to insure than many other vehicles.

The average price of insurance for a 2023 Jeep Wrangler Sport is cheaper than it is for several other midsize SUVs from the same model year. Insurance for a Jeep Wrangler is also cheaper than it is for a Honda Civic Sport.

Jeep Wrangler insurance rates compared to other vehicles
Vehicle MSRP Monthly rate
Ford Bronco $26,950 $158
Volkswagen Tiguan S $31,195 $158
Jeep Wrangler Sport $35,550 $160
Hyundai Palisade SE $35,010 $161
Nissan Murano S $39,555 $166
Toyota 4Runner SR5 $37,915 $166
Chevrolet Traverse LS $44,795 $167
GMC Acadia AT4 $31,300 $169
Honda Civic Sport $25,050 $171
Chevrolet Blazer 2LT $39,195 $173
Rates are for a 35-year-old male with a clean driving record for 2023 model-year vehicles.

Is insurance for modified Jeep Wranglers cheap?

Insuring a Jeep Wrangler with minor modifications, such as custom lights, wheels, bumpers and racks, is simple and cheap. However, insuring a Jeep with extensive engine and/or suspension modifications can get more complicated.

Most insurance companies offer a relatively inexpensive custom parts and equipment (CPE) endorsement that covers a wide range of aftermarket parts.

You typically need to carry collision and comprehensive coverage on your policy in order to add CPE coverage. The endorsement usually comes with a limit, such as $5,000, and a deductible.

  • If you add the CPE endorsement to your policy and your Jeep is stolen or totaled, your insurance settlement includes the depreciated values of the vehicle and the after-market parts, with up to $5,000 for the latter. Your deductibles are subtracted from your insurance check.
  • Without the CPE endorsement, your insurance settlement typically only includes the vehicle’s depreciated value, after your deductible.

CPE coverage should not be confused with Original Equipment Manufacturer (OEM) coverage. The latter is a common endorsement that pays to replace damaged parts with new ones from the original manufacturer.

Some insurance companies charge higher rates for Jeeps with certain engine or suspension modifications or deny coverage to a vehicle with extensive modifications that may increase its crash risk.

It’s generally best to find out if your insurance company places any restrictions on vehicle modifications before you make them, or before you purchase a modified Jeep.

It’s also important to make sure your modifications don’t violate your state’s bumper-height and emissions laws. Most standard auto insurance policies won’t cover a vehicle that is not street legal.

As long as your Jeep is legally titled and registered, your insurance company typically covers your Jeep Wrangler under normal use on a paved road or trail. However, you should double-check to make sure your insurance company does not exclude off-road use.

Insurance companies generally don’t cover accidents that occur in organized speed contests, and this exemption may apply to certain types of exhibitions on a predesigned off-road obstacle course.

If you invest several thousands of dollars into your Jeep’s modifications, you may be better off with a custom car insurance policy. Custom policies often insure your vehicle at its stated value, which may be considerably higher after modifications than its standard insurance value.

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How Jeep Wrangler insurance rates are calculated

Although Jeep Wranglers are widely associated with off-road use, insurance companies use the same factors to determine their insurance rates as they do for other passenger vehicles. The most-common car insurance rate factors include:

  • Your age: Young drivers pay more for insurance than those in their mid-30s.
  • Your location: Insurance companies charge higher rates in areas where accidents and vehicle theft are more common, such as congested cities.
  • Your vehicle’s value and safety record: Vehicles that cost more are generally more expensive to insure. However, a good safety record can make a vehicle cheaper to insure than others of comparable value.
  • Your driving record: Maintaining a clean driving record typically saves you money on insurance for any vehicle.
  • Your insurance history: A prior liability or collision claim can impact your insurance rates for three to five years. It’s best to avoid claims for relatively inexpensive repairs.
  • Your credit history: Most states allow insurance companies to include your credit history as a rating factor.


All rates are based on an analysis of non-binding quotes obtained from Quadrant Information Services for sample drivers in California, Illinois and Ohio.

Prices reflect the average of minimum- and full-coverage policy rates. Minimum-coverage policies meet each state’s minimum insurance requirements. Full-coverage policies include the following coverages, limits and deductibles:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible
  • Illinois policies also include state-mandated uninsured motorist coverage

Unless otherwise noted, our sample driver is a 35-year-old male. All sample drivers have a clean driving record.

Vehicle MSRPs are based on prices shown on manufacturer websites.

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