The Jeep Wrangler line is a series of off-road and mid-size SUVs that first debuted in 1986 and is still one of the country's favorite SUVs of all time. The 2026 Wrangler comes with a blend of cutting-edge safety features, power, and advanced infotainment. No matter which type of Wrangler you drive, it needs to be protected with the right car insurance.
When it's time to find the best Jeep Wrangler insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Jeep Wrangler at a great rate. But first, here's a deep dive into how much it costs to insure a Jeep Wrangler by model year and top-rated insurance company in 2026.
Key Takeaways - Jeep Wrangler Car Insurance
Jeep Wrangler insurance costs an average of $1,630 per year, or approximately $136 per month, for full coverage in 2026.
Progressive, USAA, and Nationwide are the cheapest carriers for model-year 2025 Jeep Wrangler insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Jeep Wrangler insurance.
Jeep Wrangler insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $169.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Jeep Wrangler model.
What Is Jeep Wrangler Insurance?
Jeep Wrangler insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size or off-road SUV, the Wrangler may require additional coverage beyond that of standard sedans. However, the Wrangler's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Jeep Wrangler drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car caused by a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Jeep Wrangler:
- Jeep warranty insurance: This can extend Jeep's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Jeep vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Jeep parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Most states require certain types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Wrangler so you can avoid noncompliance fines and other penalties.
How Much Does Jeep Wrangler Insurance Cost?
The average cost of car insurance for a Jeep Wrangler is $1,630 per year, or approximately $136 per month, for full coverage. However, several factors can influence the cost of Jeep insurance, including:
- The specific type of Wrangler you drive
- Your claims history
- Vehicle safety features
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Jeep Wrangler full coverage insurance or a basic Jeep Wrangler liability insurance policy.
Is the Jeep Wrangler Expensive to Insure?
No, the Jeep Wrangler isn't expensive to insure on average. The average monthly cost of Jeep Wrangler auto insurance is $136, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
| Jeep Wrangler | $136 |
| All SUVs | $184 |
Jeep Wrangler Insurance Costs by Model Year
Next, we'll break down several model years of the Jeep Wrangler and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Jeep Wrangler* | $1,698 |
| 2025 Jeep Wrangler | $1,191 |
| 2024 Jeep Wrangler | $972 |
| 2023 Jeep Wrangler | $840 |
| 2022 Jeep Wrangler | $853 |
| 2021 Jeep Wrangler | $716 |
| 2020 Jeep Wrangler | $542 |
| 2019 Jeep Wrangler | $782 |
| 2018 Jeep Wrangler | $666 |
| 2017 Jeep Wrangler | $618 |
| 2016 Jeep Wrangler | $589 |
| 2015 Jeep Wrangler | $667 |
| 2014 Jeep Wrangler | $603 |
| 2013 Jeep Wrangler | $599 |
| 2012 Jeep Wrangler | $416 |
| 2011 Jeep Wrangler | $667 |
| 2010 Jeep Wrangler | $600 |
*Note: The 2026 Wrangler's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Jeep Wrangler Car Insurance Companies for 2026
Affordable Jeep Wrangler insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2025 Jeep Wrangler insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,473 |
| USAA | $1,488 |
| Nationwide | $1,576 |
| American Family | $1,695 |
| Erie | $1,701 |
| Allstate | $3,706 |
Jeep Wrangler Car Insurance Rates by State
Location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Jeep Wrangler by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $71 | $133 |
| Alaska | $59 | $126 |
| Arizona | $102 | $191 |
| Arkansas | $71 | $160 |
| California | $82 | $166 |
| Colorado | $83 | $198 |
| Connecticut | $120 | $206 |
| Delaware | $122 | $205 |
| Florida | $110 | $256 |
| Georgia | $128 | $211 |
| Hawaii | $45 | $100 |
| Idaho | $47 | $97 |
| Illinois | $78 | $146 |
| Indiana | $56 | $109 |
| Iowa | $47 | $114 |
| Kansas | $62 | $146 |
| Kentucky | $107 | $182 |
| Louisiana | $169 | $365 |
| Maine | $45 | $92 |
| Maryland | $134 | $227 |
| Massachusetts | $85 | $181 |
| Michigan | $129 | $247 |
| Minnesota | $69 | $142 |
| Mississippi | $73 | $146 |
| Missouri | $98 | $196 |
| Montana | $59 | $141 |
| Nebraska | $62 | $142 |
| Nevada | $150 | $271 |
| New Hampshire | $60 | $107 |
| New Jersey | $138 | $227 |
| New Mexico | $69 | $155 |
| New York | $104 | $187 |
| North Carolina | $70 | $137 |
| North Dakota | $49 | $107 |
| Ohio | $65 | $127 |
| Oklahoma | $78 | $173 |
| Oregon | $104 | $183 |
| Pennsylvania | $73 | $173 |
| Rhode Island | $106 | $190 |
| South Carolina | $89 | $166 |
| South Dakota | $45 | $136 |
| Tennessee | $67 | $136 |
| Texas | $110 | $224 |
| Utah | $93 | $158 |
| Vermont | $38 | $90 |
| Virginia | $80 | $130 |
| Washington | $79 | $146 |
| West Virginia | $73 | $149 |
| Wisconsin | $56 | $122 |
| Wyoming | $31 | $95 |
Average Jeep Wrangler Insurance Rates by Driver Age and Profile
Other major factors that influence car insurance costs are your age, driving history, and credit, in many areas. Teens and young drivers are likely to pay the most, by far, for Jeep Wrangler insurance. Car insurance rates typically begin to drop dramatically around age 25.
However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. Here are some average insurance rates for the Jeep Wrangler by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,042 | $8,824 | $10,373 |
| 20 | $4,681 | $6,849 | $7,925 |
| 25 | $2,725 | $4,020 | $4,699 |
| 30 | $2,115 | $3,120 | $3,645 |
| 35 | $1,961 | $2,921 | $3,374 |
| 40 | $1,885 | $2,829 | $3,307 |
| 45 | $1,834 | $2,704 | $3,144 |
| 55 | $1,687 | $2,467 | $2,959 |
| 65 | $1,746 | $2,567 | $3,071 |
| 75 | $2,269 | $3,311 | $3,808 |
Average Jeep Wrangler Insurance Rates by Trim Level
Your Wrangler's specific trim can also impact its auto insurance costs. Here are some average Jeep Wrangler insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| SE Sport Utility 2D | $62 | $118 |
| Sport S SUV 2D | $63 | $123 |
| Willys Sport SUV 2D | $64 | $124 |
| Polar Edition Sport Utility 2D | $66 | $128 |
| Big Bear Sport Utility 2D | $67 | $129 |
| Sport Utility 2D | $68 | $130 |
| Black Bear Sport Utility 2D | $73 | $141 |
| X Sport Utility 2D | $74 | $142 |
| Sport S Sport Utility 2D | $75 | $145 |
| Islander Sport Utility 2D | $75 | $146 |
| Sport 2D | $77 | $150 |
| Altitude Sport Utility 2D | $79 | $153 |
| Sport SUV 2D | $79 | $153 |
| Freedom Sport Utility 2D | $80 | $156 |
| Unlimited Sport S SUV 4D | $81 | $157 |
| All New Sport SUV 2D | $81 | $157 |
| Unlimited Freedom Sport Utility 4D | $81 | $158 |
| Rubicon X Sport Utility 2D | $82 | $158 |
| Altitude (JK) Sport Utility 2D | $84 | $163 |
| Sahara Sport Utility 2D | $84 | $162 |
| Rubicon Sport Utility 2D | $85 | $164 |
| Sport S 2D | $85 | $165 |
| Sahara (JK) Sport Utility 2D | $85 | $165 |
| Recon Sport Utility 2D | $86 | $167 |
| Sport 4D | $87 | $168 |
| Backcountry Sport Utility 2D | $88 | $170 |
| Chief Sport Utility 2D | $93 | $180 |
| Willys 2D | $93 | $181 |
| Sport S 4D | $94 | $183 |
| Freedom Edition Sport Utility 2D | $94 | $183 |
| Winter Sport Utility 2D | $95 | $184 |
| Rubicon Recon Sport Utility 2D | $98 | $189 |
| Willys 4D | $103 | $200 |
| Rubicon 2D | $110 | $213 |
| Sport RHD 4D | $113 | $219 |
| Sahara 4D | $115 | $223 |
| Rubicon 4D | $119 | $232 |
Best Jeep Wrangler Insurance Discounts: How to Lower Your Jeep Wrangler Insurance Premiums
Jeep Wrangler insurance is already fairly affordable, but you can follow any of these easy steps to potentially reduce your premium rates even more:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Jeep may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Jeep Wrangler insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Jeep Wrangler insurance from a trusted carrier near you.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Jeep Wrangler insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
Your independent insurance agent knows which carriers offer the most affordable Jeep Wrangler insurance. They can help you find discounts and recommend other ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Jeep Wrangler Insurance Quotes
When it's time to find the most affordable Jeep Wrangler insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Jeep Wrangler insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rate even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Jeep Wrangler Insurance
How much does Jeep Wrangler insurance cost per year?
The average annual cost of full coverage for a Jeep Wrangler is $1,630 per year, or approximately $136 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Jeep Wrangler insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, drive an expensive trim level, or have poor credit, you might experience higher Jeep Wrangler insurance premiums.
Is the Jeep Wrangler expensive to insure?
No, the Jeep Wrangler isn't expensive to insure on average. The cost of a six-month full coverage policy is only $815.
What are the best and cheapest carriers for Jeep Wrangler insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Jeep Wrangler insurance this year.
Is insurance cheaper for the Wrangler than for other SUVs?
Yes, the Jeep Wrangler's average insurance rates are cheaper than those for other SUVs. While the Wrangler's average full coverage rates are just $136 per month, other SUVs average $184 per month.
How can I get cheaper Jeep Wrangler insurance?
Finding cheaper Jeep Wrangler insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/jeep-wrangler-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/jeep/wrangler/
https://www.moneygeek.com/insurance/auto/jeep-wrangler-insurance/