Jeep Wrangler Auto Insurance (2024)
Allstate, USAA, and AAA are the top providers of cheap Jeep auto insurance, with rates starting as low as $39 per month. Allstate offers comprehensive coverage for Jeeps, while AAA has affordable roadside assistance that can help during off-roading. To get even cheaper insurance for Jeeps, consider a UBI plan.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: May 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rate for Jeep
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Jeep
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Jeep
A.M. Best Rating
Complaint Level
Pros & Cons
The top companies for cheap Jeep auto insurance are Allstate, USAA, and AAA, especially for drivers looking for coverage options.
Allstate takes our top spot for the cheapest Jeep auto insurance, particularly for people who want full coverage for their cars. Getting the best auto insurance for a Jeep Wrangler and other models is easy when you shop at Allstate.
Company | Rank | Monthly Rates | A.M. Best Rating | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $39 | A | Add-on Coverages | Allstate | |
#2 | $41 | A++ | Military Savings | USAA | |
#3 | $44 | A | Local Agents | AAA | |
#4 | $47 | A+ | Online Convenience | Progressive | |
#5 | $48 | A | Many Discounts | State Farm | |
#6 | $52 | A | Local Agents | Farmers | |
#7 | $55 | A+ | Usage Discount | Nationwide | |
#8 | $59 | A | Accident Forgiveness | Travelers | |
#9 | $63 | A++ | Policy Options | Chubb | |
#10 | $69 | A | Customizable Polices | Liberty Mutual |
Read on to learn more about Jeep auto insurance and where to find the cheapest rates. Then, compare off-road vehicles insurance for your Jeep by entering your ZIP code into our free tool above.
- Jeep auto insurance rates typically hover around the national average
- Jeep owners often benefit from roadside assistance, especially if they go off-roading
- Allstate and USAA have the cheapest Jeep rates
#1 – Allstate: Top Pick Overall
Pros
- Deductible Rewards: You can save $100 on your deductible for every year you spend claims-free, up to $500.
- New Car Replacement: If your Jeep is totaled within the first three model years, Allstate will replace it with a new one. See more Jeep insurance options in our Allstate car insurance review.
- Accident Forgiveness: Your Jeep insurance rates won’t go up just because of an accident, even if it’s not your fault.
Cons
- Limited Off-Road Coverage: Allstate has great coverage options, but it might not have the most comprehensive coverage for off-road insurance for Jeeps.
- Mixed Customer Service: Some customers report issues with claims processing and customer service from Allstate.
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#2 – USAA: Best for Active and Retired Military
Pros
- Exceptional Customer Service: USAA consistently ranks highly for its customer service experience.
- Military Discounts: Military members will find special discounts and benefits for them and their families at USAA. See how USAA serves military drivers in our USAA auto insurance review.
- Flexible Coverage Options: Get the perfect car insurance for Jeep Wranglers or any other model with USAA’s selection of add-ons. Popular options include roadside assistance and accident forgiveness.
Cons
- Limited Physical Locations: USAA doesn’t have as many physical branches as many of its competitors have.
- Limited Membership: The only way to purchase USAA insurance is to be a member, and you can only join USAA if you’re active or retired military or a direct family member.
#3 – AAA: Best Roadside Assistance Plans
Pros
- Roadside Assistance Plans: AAA offers roadside assistance plans that come in three levels so you can get the perfect coverage for your needs.
- Multi-Policy Discounts: Among its 17 discounts is the AAA multi-policy discount. Buying auto and home or renters insurance from AAA can help you find cheap Jeep insurance.
- Customizable Coverage: Get tailored coverage options to meet your individual Jeep car insurance needs from AAA. Explore all of AAA’s car insurance add-ons in our AAA auto insurance review.
Cons
- Membership fees: You’ll have to pay an annual membership fee to buy Jeep car insurance from AAA.
- Limited Availability: AAA is run in regional clubs, so the exact coverage and discounts available to you might vary.
#4 – Progressive: Best for Innovative Digital Tools
Pros
- Online Tools: Progressive offers numerous online tools to help you manage your policy. For example, drivers looking for cheap insurance for Jeep Wranglers can use the Name Your Price tool to find cheap coverage.
- Snapshot: Save up to 30% on your Jeep auto insurance by enrolling in Progresive’s usage-based insurance (UBI) program, Snapshot.
- Rideshare Insurance: Progressive offers an excellent selection of coverage options for your Jeep, including rideshare insurance.
Cons
- Higher Rates for Some: Progressive usually has affordable Jeep insurance quotes, but drivers who need cheap high-risk auto insurance should probably look elsewhere.
- Customer Loyalty: Progressive struggles with its customer loyalty ratings. See how Progressive is addressing the problem of unsatisfied customers in our Progressive auto insurance review.
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#5 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm gives Jeep owners personalized service through its extensive network of agents.
- Bundling Discount: State Farm offers a ton of coverage options. You can save on your Jeep off-road insurance by filling all your policy needs with State Farm.
- Roadside Assistance: Adding State Farm’s roadside assistance to your off-road insurance for a Jeep ensures someone will come to your rescue when you’re stranded.
Cons
- Fewer Coverage Options: State Farm does not offer the most coverage options, especially compared with other companies. See what you can add to your policy in our State Farm auto insurance review.
- Limited Discounts: State Farm only offers 13 discounts to help you save on your off-road Jeep insurance.
#6 – Farmers: Best Discount Selection
Pros
- Coverage Options: Increase the value of your insurance on a Jeep Cherokee, Wrangler, or any other model by adding one or more of Farmers’ add-ons.
- Ample Discounts: Farmers offers an impressive 23 discounts to help you save. See all of your savings opportunities in our Farmers auto insurance review.
- Roadside Assistance Add-on: Adding accident forgiveness to your policy is a great way for Jeep owners to get help with flat tires or dead batteries wherever they go.
Cons
- Higher Rates: Most drivers will see higher rates at Farmers than they would at other companies.
- Lacking Some Options: While Farmers has a decent selection of add-ons, it’s missing a few popular choices like gap insurance and a vanishing deductible.
#7 – Nationwide: Best for UBI Savings
Pros
- UBI programs: Save up to 40% on your insurance with the telematics program SmartRide. If you’re a low-mileage driver, you can find affordable coverage with Nationwide’s SmartMiles program.
- On Your Side Review: Take advantage of this annual insurance review to ensure your coverage meets your changing needs.
- Low Rates for Teens: Nationwide consistently offers affordable rates to teen drivers. Parents and guardians looking to add a teen to their plan will also find low rates with Nationwide.
Cons
- Limited Availability: Nationwide coverage is not actually nationwide. Nationwide offers insurance for Jeeps in just 47 states.
- Bad After a DUI: Nationwide does not have the most affordable rates for drivers with a DUI on their record. See how much you might pay in our Nationwide auto insurance review.
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#8 – Travelers: Best for Accident Forgiveness
Pros
- Responsible Driver Plan: Sign up for this add-on and get accident forgiveness and minor violation forgiveness added to your plan. Learn more about the Responsible Driver plan in our Travelers auto insurance review.
- Specialty Coverage: Travelers offers several great options to add to your Jeep Wrangler car insurance policy or any other type of Jeep you drive, including non-owners coverage.
- Low Level of Complaints: Compared with other similarly-sized competitors, Travelers receives fewer complaints.
Cons
- No SR-22 Insurance: Many high-risk drivers require SR-22 forms to be filed on their behalf. If you need this service, you’ll have to go elsewhere – Travelers does not file SR-22 forms.
- High Rates for Teens: If you need Jeep insurance for young drivers, Travelers probably isn’t the best option.
#9 – Chubb: Best for High Value Coverage
Pros
- Enhanced Protection: Chubb specializes in covering high-value vehicles. With Jeep Wranglers sometimes costing over $100,000, you’ll get more bang for your buck with a Chubb Jeep Wrangler insurance quote.
- Lifetime Repair Guarantee: As long as you get repairs done at a Chubb-certified repair shop after an accident, Chubb guarantees them for life.
- Personalized Service: Chubb focuses on providing an exemplary customer service experience to each policyholder. Explore the perks of being a Chubb customer in our Chubb auto insurance review.
Cons
- Higher Premiums: Chubb is not a company that focuses on cheap coverage, which leads to higher average rates.
- Less Transparency: Chubb doesn’t post as much information online about its policies as other providers.
#10 – Liberty Mutual: Best for Unique Coverage Options
Pros
- New Car Replacement: If your Jeep is totaled within the first year or 15,000 miles of owning it, Liberty Mutual will replace it with a new one. If your car is over a year old, you can opt for the better car replacement instead.
- Discounts for Teachers. Travelers offers special discounts and perks for educators.
- RightTrack: Liberty Mutual’s RightTrack program offers safe drivers a maximum savings of 30%.
Cons
- High Complaints: Liberty Mutual receives more complaints than other insurance companies.
- Rates can be high. If you have a speeding ticket on your record, you’ll probably find cheaper rates at another company. See average insurance costs for Jeep Wranglers and other models in our Liberty Mutual auto insurance review.
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Jeep Wrangler Insurance Cost
The average Jeep Wrangler auto insurance costs are $1,256 a year or $105 a month.
Are Jeep Wranglers Expensive to Insure?
The chart below details how Jeep Wrangler insurance rates compare to other SUVs like the Subaru Forester, Jeep Cherokee, and Jeep Compass.
Vehicle | Comprehensive | Collision | Liability | Total |
Jeep Wrangler | $280 | $376 | $420 | $1,256 |
Subaru Forester | $346 | $512 | $332 | $1,326 |
Jeep Cherokee | $348 | $626 | $466 | $1,640 |
Jeep Compass | $294 | $500 | $372 | $1,324 |
Mercedes-Benz GLA 250 | $370 | $714 | $450 | $1,714 |
Audi Q3 | $344 | $686 | $398 | $1,586 |
GMC Terrain | $322 | $562 | $316 | $1,336 |
However, there are a few things you can do to find the cheapest Jeep insurance rates online.
What Impacts the Cost of Jeep Wrangler Insurance?
The Jeep Wrangler trim and model you choose can impact the total price you will pay for Jeep Wrangler auto insurance coverage.
Age of the Vehicle
The average Jeep Wrangler auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Jeep Wrangler are $1,256, while the 2010 Jeep Wrangler rates are $1,102, a difference of $154.
Model Year | Comprehensive | Collision | Liability | Total |
2020 Jeep Wrangler | $280 | $376 | $420 | $1,256 |
2019 Jeep Wrangler | $268 | $362 | $440 | $1,250 |
2018 Jeep Wrangler | $256 | $358 | $450 | $1,244 |
2017 Jeep Wrangler | $248 | $350 | $470 | $1,248 |
2016 Jeep Wrangler | $240 | $336 | $486 | $1,242 |
2015 Jeep Wrangler | $226 | $324 | $500 | $1,230 |
2014 Jeep Wrangler | $218 | $300 | $510 | $1,208 |
2013 Jeep Wrangler | $208 | $282 | $514 | $1,184 |
2012 Jeep Wrangler | $200 | $254 | $520 | $1,154 |
2011 Jeep Wrangler | $188 | $234 | $520 | $1,122 |
2010 Jeep Wrangler | $180 | $218 | $524 | $1,102 |
Driver Age
Driver age can have a significant effect on the cost of Jeep Wrangler auto insurance. For example, a 20-year-old driver could pay around $128 more each month for their Jeep Wrangler auto insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Jeep Wrangler insurance rates. For example, drivers in Los Angeles may pay $180 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Jeep Wrangler auto insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Wrangler auto insurance rates with violations on their driving record.
Jeep Wrangler Safety Ratings
The Jeep Wrangler’s safety ratings will affect your Jeep Wrangler auto insurance rates. See the chart below:
Test Type | Rating |
Small overlap front: driver-side | Marginal |
---|---|
Small overlap front: passenger-side | Not Tested |
Moderate overlap front | Good |
Side | Good |
Roof strength | Good |
Head restraints and seats | Good |
Source: Insurance Institute for Highway Safety |
Jeep Wrangler Crash Test Ratings
Jeep Wrangler crash test ratings will affect your Jeep Wrangler auto insurance rates.
Vehicle Tested | Overall | Frontal | Side | Rollover |
2020 Jeep Wrangler Unlimited SUV 4WD | N/R | 4 stars | N/R | 3 stars |
2020 Jeep Wrangler Unlimited DIESEL SUV 4WD | N/R | N/R | N/R | 3 stars |
2020 Jeep Wrangler SUV 4WD | N/R | 4 stars | N/R | 3 stars |
2019 Jeep Wrangler Unlimited 4 DR 4WD | N/R | 4 stars | N/R | 3 stars |
2019 Jeep Wrangler 2 DR 4WD | N/R | N/R | N/R | N/R |
2018 Jeep Wrangler Unlimited JK 4 DR 4WD Early release | N/R | 3 stars | N/R | 3 stars |
2018 Jeep Wrangler Unlimited 4 DR 4WD Later Release | N/R | N/R | N/R | 3 stars |
2018 Jeep Wrangler JK 2 DR 4WD Early release | N/R | N/R | N/R | 3 stars |
2018 Jeep Wrangler 2 DR 4WD Later Release | N/R | N/R | N/R | 3 stars |
2017 Jeep Wrangler Unlimited 4 DR 4WD | N/R | 3 stars | N/R | 3 stars |
2017 Jeep Wrangler 2 DR 4WD | N/R | N/R | N/R | 3 stars |
2016 Jeep Wrangler 4DR 4WD | N/R | N/R | N/R | 3 stars |
2016 Jeep Wrangler 2DR 4WD | N/R | N/R | N/R | 3 stars |
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
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Jeep Wrangler Safety Features
The Jeep Wrangler safety features can help lower insurance costs. According to AutoBlog, the 2020 Jeep Wrangler has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Rollover Protection System
- Front Tow Hooks
- Traction Control
Jeep Wrangler Insurance Loss Probability
The Jeep Wrangler’s insurance loss probability varies for each form of coverage. The lower percentage means lower Jeep Wrangler auto insurance rates; higher percentages mean higher Jeep Wrangler auto insurance rates.
Insurance Coverage Category | Loss Rate |
Collision | -46% |
---|---|
Property Damage | 34% |
Comprehensive | -29% |
Personal Injury | -43% |
Medical Payment | -48% |
Bodily Injury | 2% |
Source: Insurance Institute for Highway Safety |
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Jeep Wrangler Finance and Insurance Cost
If you are financing a Jeep Wrangler, you will pay more if you purchase Jeep Wrangler auto insurance at the dealership, so be sure to shop around and compare Jeep Wrangler auto insurance quotes from the best companies using our FREE tool below.
Ways to Save on Jeep Wrangler Insurance
Save more on your Jeep Wrangler auto insurance rates. Take a look at the following five strategies that will get you the best Jeep Wrangler auto insurance rates possible.
- Check Reviews and State Complaints Before You Choose an Insurer
- Wait Six Years for Accidents to Disappear from Your Record
- Reduce Your Coverage on an Older Jeep Wrangler
- Take Advantage of Referral Fees
- Don’t Assume your Jeep Wrangler is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
Top Jeep Wrangler Insurance Companies
Who is the top auto insurance company for Jeep Wrangler insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jeep Wrangler auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jeep Wrangler offers.
Rank | Company | Volume | Market Share |
1 | State Farm | $65,615,190 | 9.3% |
2 | Geico | $46,106,971 | 6.6% |
3 | Progressive | $39,222,879 | 5.6% |
4 | Liberty Mutual | $35,600,051 | 5.1% |
5 | Allstate | $35,025,903 | 5.0% |
6 | Travelers | $28,016,966 | 4.0% |
7 | USAA | $23,483,080 | 3.3% |
8 | Chubb | $23,388,385 | 3.3% |
9 | Farmers | $20,643,559 | 2.9% |
10 | Nationwide | $18,442,145 | 2.6% |
Source: Insurance Information Institute |
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Compare Free Jeep Wrangler Insurance Quotes Online
Start comparing Jeep Wrangler auto insurance quotes for free by using our convenient online comparison tool.
Frequently Asked Questions
How much does Jeep Wrangler auto insurance typically cost?
The cost of Jeep Wrangler auto insurance can vary based on several factors, including your location, driving history, age, coverage options, and the specific model and trim of your Jeep Wrangler. It’s recommended to request quotes from different insurance providers to get an accurate idea of the cost.
Is auto insurance mandatory for Jeep Wrangler owners?
Yes, auto insurance is generally mandatory for all vehicle owners, including Jeep Wrangler owners. The specific requirements may vary depending on your country or state, but liability insurance coverage is typically required at the minimum.
What type of insurance coverage do I need for my Jeep Wrangler?
While the specific coverage needs may vary based on your personal circumstances, it’s generally recommended to have at least liability insurance, which covers damages or injuries you may cause to others. Additionally, comprehensive and collision coverage are common options that can help protect your Jeep Wrangler from theft, vandalism, accidents, and other types of damage.
Are Jeep Wranglers expensive to insure compared to other vehicles?
The insurance rates for Jeep Wranglers can vary depending on factors such as the model, trim, and safety features. Generally, Jeep Wranglers may have slightly higher insurance rates compared to some other vehicles due to factors like their off-road capabilities and potential for higher repair costs. However, it’s always advisable to compare insurance quotes from different providers to find the best rates for your specific situation.
Are there any discounts available for Jeep Wrangler auto insurance?
Many insurance providers offer discounts that may be applicable to Jeep Wrangler owners. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same provider), and vehicle safety feature discounts (such as anti-theft devices or advanced safety systems). It’s recommended to inquire about available discounts when obtaining insurance quotes.
Are modifications to my Jeep Wrangler covered by auto insurance?
Modifications made to your Jeep Wrangler, such as lift kits, aftermarket parts, or performance enhancements, may not be automatically covered by standard auto insurance policies. It’s essential to inform your insurance provider about any modifications and discuss the coverage options available to adequately protect your modified Jeep Wrangler.
Can I get specialized insurance for off-roading with my Jeep Wrangler?
Yes, some insurance companies offer specialized insurance coverage specifically designed for off-roading vehicles like the Jeep Wrangler. These policies may provide additional coverage for off-road accidents, trail damage, and towing expenses. If you plan to use your Jeep Wrangler for off-roading activities, it’s recommended to inquire about specialized insurance options.
What steps can I take to lower my Jeep Wrangler insurance premiums?
There are several steps you can take to potentially lower your Jeep Wrangler insurance premiums. These include maintaining a clean driving record, bundling multiple policies with the same provider, increasing your deductibles, taking advantage of available discounts, installing anti-theft devices, and considering usage-based insurance programs that reward safe driving habits.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.