The Jeep Wrangler is a popular and iconic off-road vehicle, known for its rugged design and off-road capabilities. While it’s often considered relatively affordable to insure compared to other cars, some owners may find their insurance premiums higher than expected. This can be due to various factors, such as vehicle modifications or driving habits.
According to a SEMA market research report, more than 60% of Jeep Wrangler owners in the U.S. modify their vehicles with special equipment, which amounts to approximately 1.3 million customized Wranglers.
An insurer might charge higher premiums if a Jeep Wrangler is modified into a full off-road vehicle.
Why is Jeep Wrangler insurance so expensive?
A Jeep Wrangler has considerably cheaper insurance premiums than similar vehicle models, but certain factors can lead to higher premiums for some owners.
According to CarInsurance.com’s analysis, car insurance for a Jeep Wrangler costs an average of $2,104 annually or $175 monthly.
Many Jeep Wrangler owners customize their vehicles with modifications such as lift kits, larger tires or enhanced suspension systems to improve off-road capabilities. These modifications can increase the vehicle’s value and repair costs, leading insurers to charge higher premiums.
How can I get cheaper insurance for my Jeep Wrangler?
You can get cheap car insurance rates for your Jeep Wrangler by comparing quotes from multiple insurers and taking advantage of discounts. Our data study found that Nationwide offers the most affordable rates, at $1,751 a year or $146 per month, followed by Geico and Progressive.
However, your exact rates may vary based on your age, state, ZIP code and driving history among other factors. So, compare apples to apples to find a policy that fits your budget and needs.
Below is a list of insurers that offer cheap car insurance rates for Jeep Wrangler.
| Company | Average annual cost | Average monthly cost | 6-month rate |
|---|---|---|---|
| Nationwide | $1,751 | $146 | $876 |
| Geico | $1,835 | $153 | $917 |
| Progressive | $1,844 | $154 | $922 |
| State Farm | $1,913 | $159 | $956 |
| Farmers | $2,348 | $196 | $1,174 |
| Allstate | $2,935 | $245 | $1,467 |
Jeep Wrangler car insurance rates by trim level
Wrangler Sport is the cheapest Jeep Wrangler trim level to insure at an average annual cost of $1,979 a year or $165 per month, based on CarInsurance.com’s data analysis.
Find below annual and monthly car insurance rates for different Jeep Wrangler trim levels.
| Model | Annual premium | Monthly premium | 6-month rate |
|---|---|---|---|
| Wrangler Rubicon | $2,166 | $180 | $1,083 |
| Wrangler Rubicon 392 | $2,653 | $221 | $1,327 |
| Wrangler Rubicon 392 Final Edition | $2,607 | $217 | $1,303 |
| Wrangler Rubicon X | $2,256 | $188 | $1,128 |
| Wrangler Sahara | $2,068 | $172 | $1,034 |
| Wrangler Sport | $1,979 | $165 | $989 |
| Wrangler Sport RHD | $1,891 | $158 | $945 |
| Wrangler Sport S | $2,018 | $168 | $1,009 |
| Wrangler Willys | $2,028 | $169 | $1,014 |
Jeep Wrangler rates by trim level
Tips to lower your Jeep Wrangler insurance premium
Here are some tips to lower car insurance rates for your Jeep Wrangler.
- Shop around and compare quotes: The best and easiest way to find affordable premiums is to comparison shop. Compare quotes from at least three insurance companies to find the best deal.
- Increase your deductible: Raising your deductible can lower your monthly premium, but make sure you can afford the higher deductible if you need to file a claim.
- Review your coverage needs: Evaluate your coverage based on your Jeep’s age, usage and condition. If you drive a new and more expensive trim, you may want to consider higher liability limits.
- Take advantage of discounts: Most insurance companies offer discounts to policyholders for safe driving habits or installing safety devices. Ask about the discounts you’re eligible for to lower your yearly or monthly premiums.
- Maintain a good credit score: Insurers often base car insurance premiums on credit scores. A higher credit score can result in lower insurance rates.
Final thoughts
While Jeep Wrangler insurance can be more costly due to factors like customization and off-road use, there are different ways to lower your premiums. By shopping around for the best rates, increasing your deductible, reviewing your coverage and taking advantage of discounts, you can find an insurance plan that suits your needs and budget.
It’s important to understand the factors that impact your premium and take the necessary steps to ensure you’re getting the value for your coverage.
Explore our guide: How much does Jeep car insurance cost?
Source
- MotorTrend. “Jeep Wrangler Mods: Top 12 Upgrades for First-Time Owners.” Accessed April 2025.
- Specialty Equipment Market Association. “New Report Covers Purchase Habits of Jeep Wrangler Owners.” Accessed April 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for Jeep Wrangler. The rates are based on the sample profile of a 40-year-old male driver with a clean driving record and good insurance score, carrying a full coverage policy with limits of 100/300/100 and a $500 collision/comprehensive deductible. To evaluate, we have compared 67,566,780 insurance quotes from 57 insurance companies nationwide.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs