What Is The Average Jeep Wrangler Insurance Cost? 2021

No matter where you are living, car insurance is vital. Taking car insurance is really important and without any doubt, it is a good idea, however, often the prices are shocking. When it comes to choosing the insurance for your Jeep Wrangler, it is necessary that you opt for the right one as it protects your investment. But the question may arise here is how much does the average Jeep Wrangler insurance cost.

How much do you need to insure a Jeep Wrangler?

TheJeep Wrangler insurance cost seems to be a little low-priced while comparing with other vehicles. Actually, the rate of insurance is $263 cheaper on average. The average cost required to insure Jeep Wrangler is approximately $105 each month. And it is quite true that if you take minimum coverage or want to have the benefits of insurance discounts, it may give you cheap insurance rates.

What are the factors that influence the rates of Jeep Wrangler?

Based on the model and trim of the Jeep Wrangler, the amount that you will pay for the vehicle’s insurance will be determined. In addition, Insurance companies use certain factors in order to determine the price of the policy. Let’s talk about them below.

Model of the vehicle

Though it may be surprising, it becomes an important point in Jeep Wrangler insurance cost as different models of the vehicle deal with different kinds of drivers. If you own a family-oriented model, it means, persons driving the vehicle should safely drive and the driving should be safe enough to ensure that kids are protected. This makes a break on the insurance policy.

Age of the Vehicle

The average insurance rates are found to be higher for newer models of Jeep Wrangler. Say for instance: For 2020, the insurance rates of Jeep Wrangler will be $1,256. For a 2010 Jeep Wrangler, the cost will be around $1,102. Thus it carries a difference of $154. So, in general, the newer the model of the vehicle, the more the cost will be. Since most modern cars seem to be expensive to replace and fix, this increases insurance costs for such vehicles. However, the added insurance cost can give you plenty of safety features as well.

Based on the features of the vehicle

If the SUV comes with a bundle of safety features, then it will make you pay less for the Jeep Wrangler insurance cost. It is also good if you can buy an SUV that is loaded with the latest technology safety features. These safety features can give you the benefit of lowered premium for the insurance of Jeep Wrangler. The reason behind this is that advanced safety features can help in avoiding costly accidents. So it is clear that the more safety features, the better the chances for reduced insurance rates. So, if you would like to have the advantage of lower insurance costs, then make yourself not to pick the choice of sports car and luxury vehicles. 

Age of the driver

The driver’s age also has a substantial role in determining the insurance cost of a Jeep Wrangler. Say for example, a 40 year aged driver may pay $133 less every month for Jeep Wrangler insurance when compared to a 20-year-old driver.

Insurance Loss Probability

The lower percentage of loss probability tends to have lower car insurance rates for Jeep Wrangler. On the other hand, higher percentages seem to bring higher auto insurance rates for the vehicle. Moreover, Jeep Wrangler’s Insurance loss probability varies for each type of coverage.

Driving records

If you have a question that if the driving records have their influence on the insurance cost, the answer is yes. It may be tempting to push the Jeep Wrangler to the limits, particularly when you drive off-road or in dangerous weather conditions. However, over speeding and not being liable to traffic rules will give you negative impacts of accidents and points on the license. Such points in license can result in increased insurance costs.

Average cost of insuring your Jeep Wrangler

Find here the table for the average insurance rates by trim level and model year.

Model and TrimMonthly PremiumAnnual Premium
Jeep Wrangler Sport Islander 4WD 2-Dr$97$1,164
Jeep Wrangler Unlimited Sport model of spec 2WD 4-Dr$106$1,274
Jeep Wrangler Sport 4WD 2-Dr$92$1,108
Jeep Wrangler Sahara 4WD 2-Dr$98$1,178
Jeep Wrangler Unlimited Sahara model with 2WD 4-Dr$108$1,300
Jeep Wrangler Sport Islander with 4WD 4-Dr$108$1,300
Jeep Wrangler Rubicon 4WD 2-Dr$102$1,220

Ways to compare insurance rate for Jeep Wrangler

Though you certainly need insurance, still it is good to make the process easier by knowing how to evaluate coverage. Learn here on how to compare Jeep Wrangler vehicle insurance rates.

  • Regulations and features fluctuate and differ for every insurance provider. So while you get the quote compare the rates for the same features.
  • Every state carries a set of coverage criteria to examine. So it is essential that you ensure the fulfillment of insurance with satisfying minimal conditions in your location.
  • Check with the insurance, whether it includes any coverage restrictions. This helps you to avoid coverage gaps or denial of claims.
  • Ensure with the manufacturer for any loyalty discounts or special offers. This will further help you in building cost effective insurance company relationships.
  • Find out what is covered under the manufacturer’s or extended warranty. Once you are well aware of the terms in the warranty, you can avoid paying for overlapping coverage.
  • Since your deductible plays a significant role in determining the monthly premiums, it is a wise move to pick a deductible level which can suit your monthly budget.

Jeep Wrangler is a renowned off-road vehicle that has been available in the market since 1974. Although the vehicle is sturdy enough to withstand practically anything, still the associated maintenance costs will be high. The features such as low reliability and safety ratings, also tends to increase Jeep Wrangler insurance cost.

Whether you look for cheaper insurance costs or good deals, remember one of the best ways is to get multiple quotes.

Also Read: What Can You Do After You Witness A Car Accident

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