How much does it cost to insure a jeep wrangler

The average cost of car insurance for Jeep Wrangler Unlimited Rubicon owners is $3,027 a year. However, exact rates vary from model to model: for instance, the Grand Cherokee L Summit costs $189 more per year to insure than the Wrangler / Tj X. 

Jeep Wrangler Unlimited Rubicon car insurance cost

One of the primary determining factors for your Jeep Wrangler Unlimited Rubicon insurance rate is the age of your vehicle. Here's how much it costs to insure your Wrangler Unlimited Rubicon by car year (and how much Jerry can save you when doing it):

If you drive a Jeep Wrangler Unlimited Rubicon , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Jeep Wrangler Unlimited Rubicon

If you drive a Jeep, you probably put a high value on the things Jeep does best: reliability, practicality, and quality that stands the test of time.

You need the same things from your insurance coverage. But every company is different, and comparing options can get overwhelming, fast.

Take a look at the table below to see the options different insurance companies offer for Jeep Wrangler Unlimited Rubicon drivers.

Compare car insurance quotes for Jeep Wrangler Unlimited Rubicon

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.

See for yourself what real Jerry customers saved by shopping for Jeep insurance in the app!

Best car insurance companies for Jeep Wrangler Unlimited Rubicon drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.

But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates.

How much does Jeep Wrangler Unlimited Rubicon insurance go up after a DUI?

If you get a DUI while driving your Wrangler Unlimited Rubicon, you can expect your premium to increase by an average of 9%.

How much does Jeep Wrangler Unlimited Rubicon insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Wrangler Unlimited Rubicon, your insurance premium could increase by an average of 16%. 

Best Car Insurance for Jeep Wrangler Unlimited Rubicon by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!

The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.

Feeling frustrated? We get it. Just because you’re young, that doesn’t mean you’re an unsafe driver—and it doesn’t have to mean overpaying for insurance. In fact, there are some simple ways to lower your rates as a young driver:

• If you’re in school and getting a B average or better, look for companies that offer good student discounts.

• Talk to friends and family about getting on a family plan. Sharing your plan with an older, statistically safer driver can optimize your coverage and premium.

• Take a driver safety course. Many companies offer discounts for young drivers willing to endure some defensive driving instruction.

• Driving safely and sticking with one company for a few years could earn you multiple discounts for good driving and loyalty.

• Take advantage of your generation’s tech know-how and use a telematics program to track your driving. You could earn insurance discounts and other rewards based on how you actually drive (not, you know, on your age)!

If you’re under 25, you could be paying as much as $2 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Jeep Wrangler Unlimited Rubicon by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?

It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.

So where can Jeep Wrangler Unlimited Rubicon drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.

Read about car insurance by state

Driving a Jeep Wrangler Unlimited Rubicon

If you own a Jeep Wrangler Unlimited Rubicon , here’s what you need to know about your vehicle:

• The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.

• Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!

• If you bought your Jeep Wrangler Unlimited Rubicon new, it’s worth considering new car replacement insurance to protect your investment.

Key Takeaway: The more your Jeep Wrangler Unlimited Rubicon is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Jeep Wrangler Unlimited Rubicon?

The average annual cost to insure a model is $3,027. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.

Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.

Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Invest in safety

We mean that literally. Insurance companies often offer discounts to customers who install anti-theft devices and new safety technology in their vehicles. So get your [model] a GPS tracker or a collision avoidance system—you’ll improve your safety on the road and your insurance premium at the same time!

Keep customization simple

Look, we get it: that cool add-on they showed you at the dealership really seemed worth the money. And maybe it is—but keeping extra features to a minimum is one of the easiest ways to save on insurance.

That super-awesome upgraded sound system you fell in love with? Yeah, it’ll hike your rate. So will the leather upholstery, the heated seats, and the power moonroof. That’s because they increase your vehicle’s value, and with it the amount of any possible claims. So resist the urge to customize—unless it’s really worth the higher premium.

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.

If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

Go discount-hunting

The good news: most insurance companies offer discounts for everything from good grades and online payments to military service and safe driving.

The bad news: companies won’t always tell you about their discounts, so you’ll have to go looking. Keep an eye out for the following common discounts:

• Profession-based: e.g. military members, teachers, and healthcare workers

• Payment-based: e.g. paperless billing, upfront payments

• Driving-based: e.g. clean record, zero claims history

• Policy-based: e.g. bundling car and home insurance, multiple vehicles

Jerry can help you zero in on the best discounts for you—just ask about discounts when you’re comparing companies!