Last updated: December 10, 2015 at 11:02 am

What Does Car Insurance Cost on a Jeep Wrangler?

Jeep Wrangler Insurance

According to US Daily News, Forbes, and Chicago Tribune, the 2015 Jeep Wrangler Sport 4WD is the cheapest vehicle to insure. The average annual cost to insure the Sport is $1,134 based on single male, 40 years old with daily commute of 12 miles.

The lowest rates for the Sport are $697 in Maine and $899 in Illinois while the highest rate of $2,027 would be in Michigan based on the same specs. The Jeep Patriot 2WD and the Compass Sport 2WD are also found in the list of top 10 cheapest vehicles to insure. Last year, Jeep Wrangler also earned a spot among the cheapest rates for vehicle insurance by Forbes.

The reasons given by insurance companies for the low insurance rate include the engine design which makes for easy customization and repair and available parts. Generally, the older the model, the lower the insurance rates are unless the vehicle has been modified, owned by a celebrity, featured in a movie, or has a young driver as its primary driver.

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Insurantly Compares the Jeep Wrangler

In 2012, a contributor writer of online Forbes Magazine came out with a startling pronouncement about the Jeep Wrangler and other cars. Jim Gorzelany the Jeep Wrangler – the much-admired and iconic Jeep Wrangler “lacks refinement, comfort, and road manners” because its handling is clumsy, loud on long stretches of road, and uncomfortable.

He added that the 2012 model got a poor crash test result as well as lousy reliability and performance scores. How true?

The opinions of Jim grated on the nerves and sensitivities of the hundreds of loyal Jeep fans who deeply and loudly disagreed. It also brought in more awareness of the Jeep brand which is now on its 3rd generation having started around the 1940s.

Are Jeep Wranglers Safe?

Many adults ask about the safety ratings of the Jeep even before discussing price and features. To answer the question about safety, the Jeep is only dangerous if the driver is reckless. While it does not have safety features similar to a Volvo or Mercedes, this multipurpose vehicle drives well on almost all kinds of terrain.

This often leads to a false sense of securities if the driver does not keep the Jeep’s limitations in mind. However, it is possible to add additional safety features like full roll cages and by avoiding higher tires or lift kits to keep the center of gravity as low as possible.

Drivers should also avoid high speeds because of the shorter wheelbase which reduces stability under certain road conditions. That is, unless you get the Jeep with the longer wheelbase, the Wrangler Unlimited, which came out in 2004.

Go Anywhere, Do Anything!

The ultimate recreation vehicle

Young woman with backpack standing on cliff's edge and looking to a sky with raised hands

This is the official slogan of Jeep and represented liberty, freedom, and adventure and was originally tagged as the ultimate recreation vehicle.

From the 1940s to the 1980s, Jeep was made by Kaiser Jeep and American Motors.  They launched 14 new models in the 1960s led by the Jeep Wagoneer and transformed the brand into something more than just for recreation.

The Jeep Cherokee championed the 70s by winning the 4WD awards. In 1986, Fiat Chrysler introduced the Jeep Wrangler and new innovations like the compact 4 door Uniframe with shift-on-the-fly capability. By 1999, the Jeep Grand Cherokee successful media campaign for being the most reliable SUV in the market led to the highest sales for the company.

Chrysler began naming the models as YJ for 1987 to 1995 models, TJ for 1997 to 2006 models, TJU or LJs which were the Unlimited models released from 2004 to 2006, JKU and JK for models released from 2007 to the present.

Today, Jeep Wrangler is aptly represented by the Jeep Rubicon 4 door, Patriot, Compass, the redesigned Eco-Diesel Grand Cherokee and the new midsize 2014 Cherokee. The later models of the Jeep Wrangler have stability control, anti lock brakes, off road tuning, navigation system, software control, traction control, and limited slip differential.

The Jeep Rubicon – Sports SUV Wrangler

Two tourists with backpacks relaxing on top of a mountain and enjoying sunset view

The Jeep Rubicon is one of the 3 trims of the Wrangler and is unique in the sense that it has a dedicated off-road set-up that includes among others Dana 44 axles, electric lockers, removable doors, Rock-Trac 4WD, rock rails, fold down windshield, 7 speakers for the sound system, and 2007-08 Yes Essential seats.  The other 2 Wrangler trims are the Sahara and the Sport.

As a sports SUV, the Wrangler was recognized as having the best resale value by KBB for 2009, 2012, and 2013 and its Canadian equivalent from 2011 to 2013 for compact SUV.

The Unlimited Rubicon also won the 4×4 of the Decade Award given by Four Wheeler magazine in 2010. And it isn’t called iconic as a descriptive adjective but because the Jeep Wrangler was actually awarded as “One of the Most Iconic Cars of the Last 20 Years” by Business Week in 2009 while in 2008 Forbes Autos awarded Jeep Wrangler with Top 10 Vehicles with Highest Resale Value.

The 2015 model is now ranking 19 out of 27 of the most affordable compact SUVs and 11th among off-road SUVs. The fuel efficiency is equal to other off-road SUVs with 17 city and 21 highway mpg. Other features for the 4 door Unlimited include the front and rear auxiliary power outlets, 8 speaker audio system, more back seat legroom, auto climate control, Bluetooth, satellite radio, and remote start among others.

2-Door or 4-Door?

Both the 2 door Jeep and the 4-door Wrangler Jeep have their own die-hard fans. Both models have soft and hard tops, are off-road vehicles, and have usable back seats. The main differences between the 2 door Jeep and the 4 door Wrangler are:

  • The 4-door has more space, seats 5, and legroom especially for back passengers
  • The 4 door has a longer wheelbase and performs better on most roads especially inclines although the shorter wheelbase performs better on turns.
  • The 2 door, seats 4 and rides better on rocky surfaces, for winter driving, and has a more efficient break angle
  • The 2 door Jeep has less cargo space and cannot accommodate baby car seats

Jeep Wrangler Maintenance

One of the advantages of having a well-loved brand in your garage is being able to access numerous information regarding maintenance and repairs. The common problems you can expect which are relatively easy to fix are the:

  • Power window mechanism
  • Leaks on side doors
  • Problems with A/C

Fortunately, all these issues can be swiftly dealt with given regular maintenance and proper use. It is also possible to get ahead of the problem by changing A/C sub-assemblies and using better seals to prevent leaks.

You can be assured that being an American-designed and made product, you will get quality and reliability. It will also be easy to find replacement parts. The Jeep can tow up to 3,500 which could come in handy once in a while.

For a used 2011 Jeep YJ, you will have to factor in costs of maintenance like oil change, differential fluid change, replacement of brake pads, checking power steering and alternator and engine fluids.

There is a set list of maintenance guidelines found in the owner’s manual but realistically, maintenance would depend on usage. If you are buying used, ask for receipts and historical documents to best understand the maintenance needs of that particular Jeep.