Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Jeep Wrangler Unlimited? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Jeep Wrangler Unlimited car insurance facts

  • Average full coverage auto insurance premium: $130/month

  • Most affordable companies: Texas Farm Bureau ($85/month) & Erie Insurance ($90/month)

  • Wrangler Unlimited car insurance cost vs. average rates: $14 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Jeep Wrangler Unlimited by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Jeep Wrangler Unlimited insurer costs by state:

Risk factors affecting Jeep Wrangler Unlimited car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Jeep Wrangler Unlimited car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Jeep models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Jeep automobile brand

Jeep is an American multinational automaker specializing in affordable sport utility vehicles (SUVs) and crossovers under Stellantis North America for the United States market. The target market of Jeep is young and old consumers, typically through the charismatic Jeep Wrangler focusing on advanced technology with off-road designs and affordability. All Jeep automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Jeep Wrangler, Grand Cherokee, and Compass are some of their most popular vehicles.

High Jeep Wrangler Unlimited repair costs equal high coverage rates

Many consumers are attracted to Jeep’s off-road designs, increased fuel efficiencies, and driver-assist technologies, like Jeep’s Safety & Security Technology. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Jeep is higher than average since repair parts are slightly more expensive. For this reason, many Jeeps are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Jeep Wrangler Unlimited affecting car insurance policies

Another factor to consider for Jeep is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Jeep models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Jeep IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Jeeps are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Jeep’s Safety & Security innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Jeep models. The Jeep Renegade and Cherokee are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Jeep automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Jeep automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1764
Acuity$1720
Allstate$1330
Auto-Owners$1094
Direct Auto$1680
Erie$1051
GEICO$1162
Kentucky Farm Bureau$1506
Liberty Mutual$1325
Nationwide$1311
Progressive$1470
Safe Auto$1342
State Farm$1203
Tennessee Farmers$1221
Texas Farm Bureau$1035
The Hanover$1659
Travelers$1269
USAA$1126

Compare all 2021 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$1527

List Price

$28900

Trims Available

Sport - Sport S - Willys Wheeler - Sport RHD - Golden Eagle - Freedom Edition - Sahara - Willys Wheeler W - Altitude - Rubicon - Rubicon Recon - Moab - Base Engine: 285-horsepower, 3.6-liter V-6 engine with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2020 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1648
Allstate$1326
Auto-Owners$1057
Erie$1033
Farmers$1561
GEICO$1159
Liberty Mutual$1305
Mercury$1349
Nationwide$1278
Progressive$1465
State Farm$1190
Tennessee Farmers$1216
Texas Farm Bureau$1030
The Hanover$1590
Travelers$1254
USAA$1089

Compare all 2020 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$1523

List Price

$31795

Trims Available

Sport - Sport S - Willys Wheeler - Sport RHD - Golden Eagle - Freedom Edition - Sahara - Willys Wheeler W - Altitude - Rubicon - Rubicon Recon - Moab - Base Engine: 285-horsepower, 3.6-liter V-6 engine with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2019 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1543
Allstate$1189
Auto-Owners$935
Erie$889
GEICO$1021
Kentucky Farm Bureau$1287
Liberty Mutual$1155
Mercury$1243
Nationwide$1135
Progressive$1250
State Farm$1043
Tennessee Farmers$1059
Texas Farm Bureau$826
The Hanover$1359
Travelers$1122
USAA$974

Compare all 2019 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$1450

List Price

$31007

Trims Available

Sport - Sport S - Willys Wheeler - Sport RHD - Golden Eagle - Freedom Edition - Sahara - Willys Wheeler W - Altitude - Rubicon - Rubicon Recon - Moab - Base Engine: 285-horsepower, 3.6-liter V-6 engine with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2018 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 963
Acuity$ 963
American Family$ 1061
American Family$ 1061
Arbella$ 984
Arbella$ 984
Country$ 916
Country$ 916
Erie$ 708
Erie$ 708
GEICO$ 491
GEICO$ 491
Nationwide$ 952
Nationwide$ 952
Progressive$ 706
Progressive$ 706
State Farm$ 857
State Farm$ 857
Tennessee Farmers$ 1022
Tennessee Farmers$ 1022
USAA$ 780
USAA$ 780
Vermont Mutual$ 756
Vermont Mutual$ 756

Compare all 2018 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 950

List Price

$ 27895

Trims Available

Sport - Sport S - Willys Wheeler - Sport RHD - Golden Eagle - Freedom Edition - Sahara - Willys Wheeler W - Altitude - Rubicon - Rubicon Recon - Moab

2017 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 968
Acuity$ 968
American Family$ 993
American Family$ 993
Arbella$ 966
Arbella$ 966
Country$ 910
Country$ 910
Erie$ 658
Erie$ 658
GEICO$ 475
GEICO$ 475
Nationwide$ 953
Nationwide$ 953
Plymouth Rock Insurance$ 1065
Plymouth Rock Insurance$ 1065
Progressive$ 682
Progressive$ 682
State Farm$ 707
State Farm$ 707
USAA$ 761
USAA$ 761
Vermont Mutual$ 756
Vermont Mutual$ 756

Compare all 2017 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 1091

List Price

$ 27895

Trims Available

Sport - Sport S - Willys Wheeler - Big Bear - Sport RHD - Freedom - Sahara - Willys Wheeler W - Rubicon - Smoky Mountain - Chief Edition - 75th Anniversary Edition - Winter Edition - Rubicon Hard Rock - Rubicon Recon

2016 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 961
Acuity$ 961
Arbella$ 945
Arbella$ 945
Country$ 939
Country$ 939
Erie$ 662
Erie$ 662
GEICO$ 500
GEICO$ 500
Nationwide$ 1001
Nationwide$ 1001
Plymouth Rock Insurance$ 1043
Plymouth Rock Insurance$ 1043
Progressive$ 736
Progressive$ 736
State Farm$ 893
State Farm$ 893
Tennessee Farmers$ 954
Tennessee Farmers$ 954
USAA$ 823
USAA$ 823
Vermont Mutual$ 736
Vermont Mutual$ 736

Compare all 2016 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 1235

List Price

$ 27695

Trims Available

Sport - Sport S - Black Bear - Willys Wheeler - Sport RHD - Freedom - Sahara - Willys Wheeler W - Rubicon - Backcountry - Sahara 75th Anniversary - Rubicon Hard Rock

2015 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 933
Acuity$ 933
American Family$ 889
American Family$ 889
Arbella$ 956
Arbella$ 956
Country$ 885
Country$ 885
Erie$ 622
Erie$ 622
GEICO$ 478
GEICO$ 478
Nationwide$ 991
Nationwide$ 991
Progressive$ 669
Progressive$ 669
State Farm$ 621
State Farm$ 621
Tennessee Farmers$ 743
Tennessee Farmers$ 743
USAA$ 694
USAA$ 694
Vermont Mutual$ 716
Vermont Mutual$ 716

Compare all 2015 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 1005

List Price

$ 26795

Trims Available

Sport - Willys Wheeler Edition - Sport RHD - Freedom Edition - Sahara - Rubicon - Altitude - X - Rubicon Hard Rock

2014 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 825
Acuity$ 825
American Family$ 838
American Family$ 838
Arbella$ 911
Arbella$ 911
Country$ 798
Country$ 798
Erie$ 615
Erie$ 615
GEICO$ 439
GEICO$ 439
Grange Insurance$ 970
Grange Insurance$ 970
Progressive$ 654
Progressive$ 654
State Farm$ 618
State Farm$ 618
Tennessee Farmers$ 699
Tennessee Farmers$ 699
USAA$ 662
USAA$ 662
Vermont Mutual$ 638
Vermont Mutual$ 638

Compare all 2014 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 945

List Price

$ 26195

Trims Available

Sport - Willys Wheeler Edition - Sport RHD - Freedom Edition - Sahara - Rubicon - Altitude Edition - Polar Edition - Dragon - Rubicon X

2013 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 891
Acuity$ 891
American Family$ 921
American Family$ 921
Arbella$ 887
Arbella$ 887
Country$ 925
Country$ 925
Erie$ 581
Erie$ 581
GEICO$ 464
GEICO$ 464
Plymouth Rock Insurance$ 976
Plymouth Rock Insurance$ 976
Progressive$ 683
Progressive$ 683
State Farm$ 667
State Farm$ 667
Tennessee Farmers$ 772
Tennessee Farmers$ 772
USAA$ 676
USAA$ 676
Vermont Mutual$ 664
Vermont Mutual$ 664

Compare all 2013 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 1038

List Price

$ 25995

Trims Available

Sport - Sport RHD - Freedom Edition - Sahara - Rubicon - Moab - Rubicon 10th Anniversary

2012 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 882
Acuity$ 882
American Family$ 906
American Family$ 906
Arbella$ 909
Arbella$ 909
Country$ 919
Country$ 919
Erie$ 622
Erie$ 622
GEICO$ 446
GEICO$ 446
Plymouth Rock Insurance$ 963
Plymouth Rock Insurance$ 963
Progressive$ 680
Progressive$ 680
State Farm$ 636
State Farm$ 636
Tennessee Farmers$ 753
Tennessee Farmers$ 753
USAA$ 646
USAA$ 646
Vermont Mutual$ 657
Vermont Mutual$ 657

Compare all 2012 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 1056

List Price

$ 25545

Trims Available

Sport - Sport RHD - Sahara - Rubicon - Arctic - Call of Duty MW3

2011 Jeep Wrangler Unlimited

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 811
American Family$ 811
Amica$ 900
Amica$ 900
Arbella$ 760
Arbella$ 760
Country$ 850
Country$ 850
Erie$ 541
Erie$ 541
GEICO$ 437
GEICO$ 437
Plymouth Rock Insurance$ 921
Plymouth Rock Insurance$ 921
Progressive$ 662
Progressive$ 662
State Farm$ 620
State Farm$ 620
Tennessee Farmers$ 722
Tennessee Farmers$ 722
USAA$ 611
USAA$ 611
Vermont Mutual$ 578
Vermont Mutual$ 578

Compare all 2011 Jeep Wrangler Unlimited rates

Average Cost to Insure Per Year

$ 998

List Price

$ 25545

Trims Available

Sport - Sport RHD - Sahara - 70th Anniversary - Sport Mojave - Rubicon