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Cheapest 2006 Jeep Wrangler Car Insurance (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2006 Jeep Wrangler
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How much does car insurance cost for a 2006 Jeep Wrangler

The average driver will spend about $53 per month to insure a base trim 2006 Jeep Wrangler with minimum coverage that meets state requirements. Full coverage for the same model and trim level is approximately $144 per month.
The top-trim 2006 Wrangler X costs about $95 per month for minimum coverage, or $147 per month for full coverage. 
Note that these costs are averages based purely on make, model, and year. Your unique
cost of car insurance
will be affected by zip code and driving history, too.
Get an accurate estimate for your 2006 Jeep Wrangler with
Jerry
, and see free quotes from top companies.

Compare the cheapest 2006 Jeep Wrangler car insurance quotes

Auto insurance premiums vary from state to state, company to company. Jerry has helped Wrangler drivers across the country with finding coverage—and saving money.
Take a look at these cheap car insurance rates for 2006 Jeep Wrangler insurance.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
April 11, 2024
Jeep Wrangler / TJ SE
Progressive
$158
• State Minimum Liability
• Comp / Collision
April 5, 2024
Safeco
$107
• State Minimum Liability
• Comp / Collision
April 1, 2024
Nationwide
$129
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 21, 2024

The best car insurance companies for 2006 Jeep Wrangler owners

Safeco ranks pretty highly in a national survey of Wrangler drivers, according to Jerry’s data. But ultimately there is no “best” company for every single 2006 Jeep Wrangler owner.
You’re unique, even if you and your neighbor are both driving the same 2006 Jeep Wrangler. Your premium will be as unique as you are, reflecting your age, your driving record, your insurance history, and your preferred coverage levels.
Know that every company has a unique formula for calculating rates. GEICO and State Farm might weigh your zip code more heavily, whereas Progressive might care more about your driving history. 
Price is important, of course, but you should also consider how well a company handles claims and customer service before you pick an insurance provider.
Jerry collected data from real 2006 Jeep Wrangler owners to help you assess various companies. Check out how they rated across key categories below—and note that the cheapest car insurance company for you might not even be on this list.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Average 2006 Jeep Wrangler insurance costs

Although it depends on your coverage levels, we can give you an approximate range.
Expect to spend between $52 and $95 per month for minimum coverage on your 2006 Jeep Wrangler. Higher trim levels will cost closer to the top end of that range.
Minimum coverage means that you carry at least the
state minimum required policy
. In most places, this means basic
liability coverage
with bodily injury liability insurance and property damage liability. However, some states also require
PIP (personal injury protection)
and
uninsured motorist coverage
.
For full coverage car insurance, your monthly premium will probably fall between $80 and $145 based purely on make, model, and trim. That’s the average rate, FYI.
Full coverage
protects you and your vehicle with
collision
coverage and
comprehensive
coverage. It’s not legally required but it is the only way to make sure your Wrangler is protected from weather damage, theft, and collision damage.
Take a look at some sample Wrangler costs for different coverage levels.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$80
$960
Full coverage
$127
$1,524

2006 Jeep Wrangler insurance costs by trim level

Higher trim levels usually mean more features—which cost more to insure. 
If you drive a Wrangler with the base SE trim, lucky you! Your cost is probably lower than someone with an Unlimited Rubicon. The cost of repairs with a higher trim Rubicon is pricier due to its extra features (leather seats, off-roading equipment, etc) and the cost to replace and repair them.
Take a look at insurance prices by trim level for the 2006 Jeep Wrangler.
Car Model & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
2006 / TJ Unlimited
$167
$114

How expensive is 2006 Jeep Wrangler insurance compared to other years?

A 2003 Wrangler SE costs about $70 per month to insure with minimum coverage, which is higher than the average cost of car insurance for a 2006 Wrangler with the same trim. 
Fast forward to a 2018 Wrangler Sahara (the base trim), and it costs about $52 per month to insure for the average driver with basic coverage—exactly the same as a 2006 Wrangler. 
Ultimately, it’s a little tricky to tell. Newer cars have better safety features but they can also have more complex technology (which costs more to replace and insure). Older cars may have fewer safety features but replacement parts can be easier to find. 
If you’re considering an upgrade to a new vehicle (or downgrade to an older one), take a look at how the average insurance cost of a Jeep Wrangler might change based on model year.
CarMinimum CoverageFull Coverage
1998 Jeep Wrangler
$63
$108
1999 Jeep Wrangler
$70
$100
2000 Jeep Wrangler
$82
$82
2002 Jeep Wrangler
$78
$97
2004 Jeep Wrangler
$78
$104
2005 Jeep Wrangler
$32
$87
2006 Jeep Wrangler
$80
$127
2007 Jeep Wrangler
$81
$154
2008 Jeep Wrangler
$89
$125
2009 Jeep Wrangler
$86
$106
2010 Jeep Wrangler
$81
$136
2011 Jeep Wrangler
$73
$154
2012 Jeep Wrangler
$84
$148
2013 Jeep Wrangler
$97
$144
2014 Jeep Wrangler
$89
$147
2015 Jeep Wrangler
$94
$149
2016 Jeep Wrangler
$103
$154
2017 Jeep Wrangler
$106
$153
2018 Jeep Wrangler
$109
$151
2019 Jeep Wrangler
$123
$163
2020 Jeep Wrangler
$122
$170
2021 Jeep Wrangler
$74
$150
2022 Jeep Wrangler
$36
$213
2023 Jeep Wrangler
$130
$164

Are 2006 Jeep Wranglers expensive to insure? 

If you’re looking at model alone, then the Wrangler tends to be slightly cheaper to insure than other 2006 Jeep models like the Liberty, Grand Cherokee, and Commander. 
But if you’re considering similar makes from 2006 besides Jeep, like Dodge, Ford, and Chevrolet, then the Jeep Wrangler is about in the middle of the pack. It’s slightly cheaper than the Chevy Trailblazer and Dodge Durango in most cases, but about on par with the Ford Ranger.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2006 Jeep Wrangler
$80
$127
2006 Mini Cooper
$84
$164
2006 Buick LaCrosse
$86
$142
2006 Ford Escape
$86
$144
2006 Toyota Corolla
$90
$128
A vehicle is more than its model year. The age of the vehicle matters, of course, but so does its engine size, safety record, and MSRP.

2006 Jeep Wrangler
NHTSA safety ratings

Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Rollover Rating

What other factors affect 2006 Jeep Wrangler insurance rates?

Quotes take into account more than just your make and model. Although performance cars and offroading vehicles usually come with higher insurance costs, it’s a bit more complicated.
Here’s what you need to know: 
  • Where you keep your car matters: A dense urban center carries higher risk for traffic accidents and theft. Parking your Wrangler on a side street means it’s more likely to be hit versus parked in a garage. This is why insurers ask about your zip code.
  • Your age can help or hurt: Drivers between 25 and 75 get the most affordable rate. New drivers and older drivers face extra risks, so they’re charged more for coverage—regardless of make and model.
  • Your driving record and claims history say a lot: If you’ve filed more than one claim or committed multiple traffic violations or at-fault accidents, you’re guaranteed higher insurance rates.
Every company’s formula is unique. Some take into account your credit score, your profession, and your marital status. Pull quotes every six months to ensure that you’re getting the best deal.

2006 Jeep Wrangler insurance costs for young drivers

Jeeps are especially popular with young drivers, but unfortunately
teen drivers
pay some of the highest rates no matter which car they drive. 
After the age of 25, rates tend to go down for safe drivers. But age is something to consider when evaluating your insurance needs and budgeting for a policy for a Wrangler.
card cover
Elmer (24 years old)
$147
per month

2006 Jeep Wrangler insurance cost for drivers with driving violations 

It’s easy to get carried away behind the wheel of a Jeep, but traffic violations can trigger serious rate hikes. 
A simple speeding ticket may not seem like a big deal, but a pattern of violations is bad news. From speeding to DUIs and failure to obey a turn signal, be aware that your driving record impacts your Wrangler insurance cost. A clean driving record is the best way to unlock the best rates.
Take a look at how rates can change for the 2006 Jeep Wrangler depending on the violation.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Failure to Obey Signal
Jeep Wrangler / TJ SE
Progressive
$158
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Jeep Wrangler / TJ SE
Gainsco
$207
• State Minimum Liability
coverageLast Updated Apr 16, 2024

How can I lower the cost of insurance for my 2006 Jeep Wrangler?

To save money on your 2006 Jeep Wrangler auto insurance rates, get smart. Here’s how: 
  • Bundle multiple policies
    : Most providers offer a discount of around 15% when you purchase multiple products, like auto, homeowner, and renters insurance. Insurance agents are very happy to help you switch and combine.
  • Raise your deductible: If you have a full coverage insurance policy, bump up your deductible. This usually results in a reduction to your monthly premium. You can pull auto insurance quotes for different scenarios for free before you decide to adjust full coverage policies.
  • Enroll in a usage-based insurance program: Telematics programs can help you earn discounts with barely any effort. Drive safely and almost every major insurer will give you a discount. Most will even give you a discount just for enrolling.
  • Check for car insurance
    discounts
    : From lump sum payments to going paperless, most insurers offer discounts. Some are automatic but others you have to request. Don’t be shy! 
  • Compare at least three quotes: Your Wrangler might be cheaper to insure if you switch to another company. The only way to know is to shop around and pull quotes from different companies, which is easy and free with
    Jerry
    .

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.