How much is insurance on a Jeep Wrangler?

A 2024 Jeep Wrangler runs about $1,790 a year for a typical 45-year-old, $150 less than an average car of the same age: lower non-crash losses and lower crash-repair losses outweigh more damage to others' property and more injury claims. Putting a new 16-year-old on a family policy with the Wrangler adds about $1,180 a year (#11 of 25 midsize SUVs we compare).

2024 Jeep Wrangler (Wrangler 2dr 4WD), national average

about $1,790 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Wrangler drops to about $1,660 (see the table below).

A Jeep Wrangler from the 2018–present generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Wrangler 2dr 4WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Wrangler's rank is the same in every state.

Why the Jeep Wrangler costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Jeep Wrangler 2dr convertible 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 47 for crash repairs, 42 for non-crash damage, 131 for damage to others' property, and 109 for injury claims.

Crash repairs (collision)fixing this car after a crashSubstantially better than average53% better than averagebest of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesSubstantially better than average58% better than averagebest of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average31% worse than averageworst of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 9% more often than average19th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Wrangler comes out about 54% better than average. We count about half of that difference, so the part of the bill that fixes the car is about 26% less than average: about $710 a year vs $950. On the liability side, damage to others and injury claims combine to about 18% worse than average. We count about half, so that part is about 10% more: $1,090 a year vs $990.

How the math works

In EPA size classes, the Wrangler is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Jeep Wrangler is benchmarked against midsize SUVs.

Matched to HLDI series “Jeep Wrangler 2dr convertible 4WD” (HLDI, 2022–24 models).

A used Jeep Wrangler, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Wrangler 2dr 4WD (0–3 years old)	about $1,790	about $1,090	+$1,180	about $5,140
2022 Wrangler 2dr 4WD (4–7 years old)	about $1,710	about $1,090	+$1,130	about $4,900
2018 Wrangler 4WD (8–12 years old)	about $1,760	about $1,150	+$1,160	about $5,060
2013 Wrangler 4WD (13 or more years old)	about $1,660	about $1,160	+$1,100	about $4,780

Our catalog covers the Jeep Wrangler across model years 2006–2027. Full coverage on a used 2013 Wrangler (13 or more years old) runs about $1,660 a year, $130 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,160 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Jeep Wrangler trims, full coverage goes from about $1,790 a year on the Wrangler 2dr 4WD to about $2,060 on the Wrangler 4dr 4xe, because HLDI's loss results differ by body, drive, or powertrain.

Wrangler 2dr 4WD; Wrangler Rubicon 2dr 4WD: about $1,790
Wrangler 4dr 4WD; Wrangler Rubicon 4dr 4WD: about $1,950
Wrangler 4dr 4xe: about $2,060

On a policy of their own with a 2024 Jeep Wrangler, a 22–25-year-old pays about $2,330 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,990, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Jeep Wrangler

Because the Jeep Wrangler starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,140 a year, about $3,960 more than sharing the family policy.

For adding a teen driver, the Jeep Wrangler ranks 25th cheapest out of all 121 models we track. Stepping down to a used 2013 Wrangler (13 or more years old) brings the teen add-on to about $1,100 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Jeep Wrangler is the 11th least expensive to insure. Right next to it are the Hyundai Santa Fe (about $1,780 a year) and the Ford Explorer (about $1,790).

Photos from Wikimedia Commons contributors. Photo credits.

What a Jeep Wrangler costs in your state

In six sample states, a 2024 Jeep Wrangler runs from about $1,240 a year in Wisconsin through Montana, Alaska, Mississippi and Maryland to about $2,360 in New York:

Wisconsinabout $1,240/yr · +$820 teen
Montanaabout $1,470/yr · +$970 teen
Alaskaabout $1,570/yr · +$1,040 teen
Mississippiabout $1,740/yr · +$1,150 teen
Marylandabout $1,990/yr · +$1,320 teen
New Yorkabout $2,360/yr · +$1,560 teen

All 50 states and DC · Updated November 5, 2026.

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