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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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The average cost to insure a Jeep Wrangler is $145 per month — around 11% cheaper than the national average of $163.
USAA offers the cheapest Jeep Wrangler insurance, averaging $72 per month.
Higher-end models and off-road driving could raise your Wrangler premiums, while certain safety features can lower them.
Car insurance rates for your Jeep vary based on the policy type you choose. A liability-only policy covers only injuries and damage you cause to others in an accident.
If you need more protection, a full-coverage policy also includes collision coverage (for crash-related repairs to your Wrangler) and comprehensive coverage (for non-collision damage, like theft, vandalism, or weather damage).
The table below compares average monthly liability and full-coverage premiums for a Jeep Wrangler with the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Jeep Wrangler | $113 | $176 | $145 |
| All vehicles | $113 | $212 | $163 |
On average, Wrangler drivers pay $36 less per month for full coverage than the national average for all vehicles. But liability-only rates are equal to the national average.
In the next sections, we’ll explore how factors like driving record, location, and model year can change what you’ll actually pay for Jeep Wrangler insurance.
Even with the same Wrangler and coverage choices, insurance prices can differ widely by insurer. Comparing quotes from multiple insurance companies can help you find the best deal.
Check out the table below for the five cheapest car insurance companies for a Jeep Wrangler, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $102 |
| GEICO | $112 |
| AAA | $123 |
USAA offers the cheapest average rate for the Jeep Wrangler, at $72 per month. That’s about 50% lower than the model’s overall average of $145 per month.
Below are overviews of the three cheapest companies, outlining what makes each one a strong contender for Wrangler owners.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the lowest Jeep Wrangler rates for eligible active and former military members and their families. It doesn’t have as many optional coverages as its competitors, but you can get pay-per-mile insurance if you don’t drive much, with the option to save even more with safe driving habits.
Cheap Wrangler rates
Highly rated customer service
Offers pay-as-you-drive insurance
Membership limited to military families
Few physical branches
More customer complaints than average
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm’s combination of affordable rates and personalized agent support makes it a great choice for Jeep owners. Plus, Wrangler drivers who maintain a clean driving record can unlock additional savings with safe driver discounts and the Drive Safe & Save program.
State Farm also has a highly rated mobile app for Wrangler drivers who prefer online policy and claims management.
Strong local agent network
Multiple safe driver discounts available
Above-average claims satisfaction[1]
Limited coverage options available
Can be pricey for high-risk drivers
Discount availability varies by state
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers more than liability and full-coverage policies for Wranglers. Low-mileage drivers should consider Milewise, while safe drivers can show off their skills through its Drivewise telematics program.
Wranglers tend to hold their value more than many vehicles.[2] Because of this, you may not need gap insurance, but Allstate’s extended vehicle care plan can pick up where your warranty ends.
Available nationwide
Bundle and save up to 25%
Offers extended warranty coverage
Below-average claims satisfaction
Few discounts available
Doesn’t offer gap insurance
Get personalized quotes for your Wrangler and put money back in your pocket.
Car insurance rates depend a lot on your car’s age. Newer Wranglers typically cost more to insure since they’re worth more. On the flip side, older Wranglers often come with lower premiums because their replacement costs are lower.
The tables below show how monthly rates shift by model year, plus the cheapest options for each, according to Compare.com data.
Wrangler Model Year | Average Monthly Premium |
|---|---|
| 2026 | $174 |
| 2025 | $175 |
| 2024 | $175 |
| 2023 | $175 |
| 2022 | $175 |
| 2021 | $169 |
| 2020 | $161 |
| 2019 | $158 |
| 2018 | $152 |
| 2017 | $149 |
| 2016 | $145 |
| 2015 | $142 |
| 2014 | $140 |
| 2013 | $133 |
| 2012 | $129 |
| 2011 | $125 |
| 2010 | $123 |
| 2009 | $119 |
| 2008 | $118 |
| 2007 | $116 |
| 2006 | $114 |
| 2005 | $111 |
| 2004 | $109 |
| 2003 | $107 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $96 |
| Allstate | $122 |
| American Family | $131 |
| GEICO | $134 |
| CSAA | $148 |
| Nationwide | $158 |
| Progressive | $162 |
| Travelers | $165 |
| Farmers | $188 |
| Liberty Mutual | $224 |
| Amica | $422 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $97 |
| Allstate | $123 |
| American Family | $132 |
| GEICO | $135 |
| CSAA | $149 |
| Nationwide | $159 |
| Progressive | $163 |
| Travelers | $167 |
| Farmers | $190 |
| Liberty Mutual | $226 |
| Amica | $425 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $97 |
| Allstate | $123 |
| American Family | $132 |
| GEICO | $135 |
| CSAA | $149 |
| Nationwide | $159 |
| Progressive | $163 |
| Travelers | $167 |
| Farmers | $190 |
| Liberty Mutual | $226 |
| Amica | $425 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $96 |
| Allstate | $123 |
| American Family | $131 |
| GEICO | $135 |
| CSAA | $148 |
| Nationwide | $159 |
| Progressive | $162 |
| Travelers | $166 |
| Farmers | $189 |
| Liberty Mutual | $225 |
| Amica | $424 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $96 |
| Allstate | $123 |
| American Family | $131 |
| GEICO | $135 |
| CSAA | $148 |
| Nationwide | $159 |
| Progressive | $162 |
| Travelers | $166 |
| Farmers | $189 |
| Liberty Mutual | $225 |
| Amica | $424 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $119 |
| American Family | $127 |
| GEICO | $130 |
| CSAA | $143 |
| Nationwide | $154 |
| Progressive | $157 |
| Travelers | $161 |
| Farmers | $183 |
| Liberty Mutual | $218 |
| Amica | $410 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $89 |
| Allstate | $113 |
| American Family | $121 |
| GEICO | $124 |
| CSAA | $137 |
| Nationwide | $147 |
| Progressive | $150 |
| Travelers | $153 |
| Farmers | $174 |
| Liberty Mutual | $208 |
| Amica | $391 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $87 |
| Allstate | $111 |
| American Family | $119 |
| GEICO | $122 |
| CSAA | $134 |
| Nationwide | $144 |
| Progressive | $147 |
| Travelers | $150 |
| Farmers | $171 |
| Liberty Mutual | $203 |
| Amica | $383 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $84 |
| Allstate | $107 |
| American Family | $114 |
| GEICO | $117 |
| CSAA | $129 |
| Nationwide | $138 |
| Progressive | $141 |
| Travelers | $145 |
| Farmers | $164 |
| Liberty Mutual | $196 |
| Amica | $369 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
| CSAA | $127 |
| Nationwide | $136 |
| Progressive | $139 |
| Travelers | $142 |
| Farmers | $162 |
| Liberty Mutual | $193 |
| Amica | $362 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $102 |
| American Family | $109 |
| GEICO | $112 |
| CSAA | $123 |
| Nationwide | $132 |
| Progressive | $135 |
| Travelers | $138 |
| Farmers | $157 |
| Liberty Mutual | $187 |
| Amica | $352 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $106 |
| GEICO | $109 |
| CSAA | $120 |
| Nationwide | $129 |
| Progressive | $132 |
| Travelers | $135 |
| Farmers | $153 |
| Liberty Mutual | $183 |
| Amica | $344 |
Where you live plays a big role in what you pay to insure your Wrangler. States set different coverage requirements, and local factors like weather, theft rates, and crash frequency all affect premiums.
In places where Wranglers are more at risk of theft or where road risks are higher, rates can rise.
For the Wrangler specifically, premiums are much higher in some parts of the country, especially the Northeast and urban areas. But several Midwest and Mountain states offer rates that are well below average for the same vehicle.
Check out the map below to get a better idea of what you can expect to pay in your state.
State | Average Monthly Premium |
|---|---|
| Alabama | $120 |
| Arizona | $127 |
| Arkansas | $138 |
| California | $156 |
| Colorado | $156 |
| Connecticut | $216 |
| Delaware | $181 |
| Florida | $169 |
| Georgia | $193 |
| Hawaii | $96 |
| Idaho | $80 |
| Illinois | $120 |
| Indiana | $99 |
| Iowa | $81 |
| Kansas | $112 |
| Kentucky | $150 |
| Louisiana | $162 |
| Maine | $106 |
| Maryland | $230 |
| Massachusetts | $114 |
| Michigan | $175 |
| Minnesota | $132 |
| Mississippi | $114 |
| Missouri | $138 |
| Montana | $113 |
| Nebraska | $109 |
| Nevada | $192 |
| New Hampshire | $67 |
| New Jersey | $204 |
| New Mexico | $110 |
| New York | $167 |
| North Carolina | $67 |
| North Dakota | $89 |
| Ohio | $94 |
| Oklahoma | $130 |
| Oregon | $116 |
| Pennsylvania | $122 |
| Rhode Island | $167 |
| South Carolina | $186 |
| South Dakota | $105 |
| Tennessee | $108 |
| Texas | $166 |
| Utah | $114 |
| Vermont | $109 |
| Virginia | $136 |
| Washington | $129 |
| Washington D.C. | $239 |
| West Virginia | $112 |
| Wisconsin | $92 |
| Wyoming | $85 |
State | Average Monthly Premium |
|---|---|
| California | $156 |
Insurance rates are generally more affordable for drivers with more experience, since seasoned drivers are less likely to cause accidents. But teens and young drivers pay a lot more because of this. Fortunately, rates drop noticeably as you move out of your teens and into your 20s and 30s.
In fact, Compare.com data shows that premiums for teen drivers can be more than twice what adults pay, while seniors average some of the lowest rates (as long as their driving records stay clean).
The table below highlights average monthly costs for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $278 |
| Adults | $145 |
| Seniors | $125 |
Rates for Jeep Wrangler insurance are much higher for teens and drivers younger than 25, largely because inexperience leads to more claims, riskier driving, and higher accident rates.[3]
The chart below shows the cheapest insurance companies for young Wrangler drivers, according to our data.
Senior Wrangler owners tend to pay less for car insurance because decades of driving usually translates to fewer claims and careful driving habits. Even so, savvy seniors can often find an even better deal with the right company.
The chart below shows the cheapest insurers for senior Wrangler owners, according to our data.
Your driving record can significantly affect your car insurance rates. Ultimately, the cleaner it is, the less you pay, while violations and accidents quickly push costs higher. That’s because insurers see tickets, at-fault accidents, and driving under the influence (DUI) convictions as signs you’re more likely to file a costly claim in the future.
But even high-risk drivers can get relatively affordable rates. After all, some companies specialize in policies for drivers with blemishes on their records or people needing SR-22 forms.
The table below breaks down how rates for Jeep Wranglers vary based on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $145 |
| Speeding ticket | $194 |
| At-fault accident | $207 |
| DUI | $244 |
Drivers with a speeding ticket typically pay more for coverage because speeding indicates a habit of dangerous driving, which increases crash risks. And more severe violations may drive rates even higher.
The chart below shows the cheapest companies for a Wrangler driver with a speeding ticket, according to Compare.com data.
Insurance rates jump even more after an accident, especially if you’re at fault. That’s because a history of accidents makes you more likely to file claims in the future. But even with an at-fault accident, you may be able to find competitive rates.
The chart below lists the cheapest companies for Jeep Wrangler drivers with an at-fault accident, according to our research.'
Drivers with a DUI conviction see a higher rate increase than for any other infraction. That’s because companies view them as especially high-risk. And states often require drivers with DUIs to file additional forms, such as an SR-22 or FR-44, which costs insurers time and money.
Rates for drivers with DUIs can double or even quadruple compared to rates for people with clean driving records.
But if you have a DUI or driving while intoxicated (DWI) conviction on your record, don’t panic. Some companies specialize in high-risk drivers. And many others offer much cheaper rates than the average company.
The chart below ranks the cheapest insurers for Jeep Wrangler drivers with a DUI, according to our data.
The Wrangler is a relatively unique vehicle compared to the rest of the cars on the road. And many of its specialized styling and unique features can affect your insurance rates. Here’s an overview of just a few Wrangler features that can affect how much you pay to insure it.
The 2025 Jeep Wrangler comes in six trim levels, ranging from just under $35,000 to over $100,000. Generally speaking, the higher the MSRP for your Wrangler, the more you’ll usually pay for car insurance.
Many people choose the Jeep Wrangler for its off-road capabilities, but insurers may see that lifestyle as risky behavior, which could drive up your premiums.
The Jeep Wrangler has relatively poor safety ratings compared to most vehicles.[4] But newer Wranglers have gained several notable safety features, such as blind-spot monitoring and forward collision warning. These recent additions could qualify you for a safety features discount.
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Even with the Wrangler’s relatively affordable average rates, it still makes sense to find ways to save money. If you’re on the hunt for cheaper insurance for your Wrangler, try these tips:
Drive it only occasionally. You may get cheaper car insurance (and even qualify for a low-mileage discount) if you use your Jeep primarily as a weekend or recreational vehicle rather than a daily driver.
Consider pay-per-mile insurance. If you don’t drive your Wrangler much, you might save more with pay-as-you-go insurance instead of a traditional policy.
Choose a cheaper trim level. You might get more features with a higher-priced Rubicon or Sahara, but you’ll also probably pay more for auto insurance.
Avoid aftermarket mods. A lift kit or snorkel might make your Wrangler stand out, but your insurer may not cover aftermarket parts unless you pay extra for modified car coverage.
Get multiple quotes before buying. The easiest and most effective way to save money on Jeep Wrangler insurance is to compare quotes from as many companies as possible. In fact, comparison shopping saves users up to $867† per year.
Compare personalized quotes from top insurers and find the best deal.
If you own a Jeep Wrangler or are thinking of getting one, you might have a few insurance questions on your mind. Here are some quick, useful answers for Wrangler drivers.
Not really. Jeep Wrangler insurance costs tend to be slightly below the national average, according to Compare.com data. The national average monthly cost to insure a Wrangler is $145. By comparison, the national average for all cars is $163 per month.
Our data shows that USAA generally has the lowest average rates for Jeep Wranglers, at just $72 per month. But you can get USAA coverage only if you or an immediate family member is active-duty military or a veteran. State Farm offers the second-lowest average cost ($80 per month) and is more widely available than USAA.
On average, it costs $174 per month to insure a 2026 Jeep Wrangler, according to Compare.com data. But you may pay more or less based on your age, location, driving record, and other factors.
Among popular Jeep models, the Wrangler is the cheapest to insure, according to Compare.com data. Its average rates are $176 per month for full coverage and $113 for liability-only insurance.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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