The 2021 Jeep Wrangler Surprisingly Isn’t That Expensive to Insure

The Jeep Wrangler has long been a favorite among off-road enthusiasts. Even drivers who haven’t gone off-pavement love the Wrangler’s tough looks. The only problem is that it isn’t exactly cheap, especially when purchasing insurance for it.

But that might be about to change for the 2021 Jeep Wrangler Sport. In a surprising twist, talking to your insurance agent won’t make you cry — unless it’s tears of joy because it’s so cheap, of course.

The Jeep Wrangler Sport may not be top-of-the-line, but it’s still sweet

Base trims mean you get the fewest features, but you also pay a much lower price than you would for higher trims. For the 2021 Jeep Wrangler Sport, you can expect to get a 285-hp V6 engine, a six-speed manual transmission, four-wheel drive, skid plates, a two-speed transfer case, and a Sunrider folding soft top. In other words, everything you need to tear out of the dealership and hit some trails.

The Wrangler Sport also offers a few basic features that will meet your needs. It comes with cloth upholstery, push-button start, three 12-volt outlets, a rearview camera, a 5.0-inch touchscreen, an eight-speaker audio system, Bluetooth, and a USB port.

All of that sounds great — until you discover the windows and door locks are manual. It’ll bring you back to the early ’90s when you had to crank the windows down and hoped nothing got jammed.

Jeep Wrangler Sport pricing

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Given all the rugged features on the 2021 Jeep Wrangler Sport, it’s no secret it’s a bit pricey. It’s not extremely expensive, however, so don’t sweat just yet. That will come later.

The two-door Wrangler Sport starts at $28,475. The four-door model is a little pricier, starting at $31,975. That isn’t bad, but the upgrades are where you’ll start to feel the heat.

For an extra $1,500, you can upgrade to an eight-speed automatic transmission. If the V6 engine sounds a little weak, you can purchase a V6 with eTorque mild-hybrid assist, plus the eight-speed automatic transmission, for $3,000 more. 

That’s for the two-door model, of course. If you’re looking at the four-door, the price jumps by $6,000. 

Now comes the disheartening news. Jeep, like BMW, is known for charging owners for basic features like automatic door locks and air conditioning. If you aren’t fond of turning your vehicle into a sauna, expect to pay another $1,295 for A/C. Many owners aren’t keen on sweating it out and will pay the extra money to avoid getting dehydrated during their commute.

Other features that’ll raise the price include a hardtop roof ($1,495), leather upholstery ($1,750), a tow package ($795), and a rear limited-slip differential ($595).

The overall price also fluctuates as you decide whether you’ll buy or lease, the interest rate you can get, and the loan term. That’s before insurance, of course, but it’s shockingly one of the cheapest things about the Jeep Wrangler Sport.

Insurance won’t set you back

When MotorTrend posts an article about the cheapest cars to insure for 2021, Jeep isn’t the first automaker that comes to mind. In fact, it could be one of the last for many former Jeep owners. Yet the 2021 Jeep Wrangler Sport appears on the list.

According to MotorTrend, insuring a 2021 Wrangler Sport costs a mere $1,339 per year. That’s only $111.58 a month. There are used vehicles that cost this much, so considering this price is for a brand-new vehicle, that’s pretty exciting.