2021 Jeep Wrangler Cost to Own

Total 5-Year Ownership Costs

Wrangler SUV

Sport 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$62,744*

Total Cash Price

$79,624

Unlimited Sport Altitude 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$59,607*

Total Cash Price

$75,642

Unlimited High Altitude 4dr SUV 4WD (2.0L 4cyl Turbo 8A)

True Cost to Own

$52,884*

Total Cash Price

$67,111

Unlimited Willys 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$53,332*

Total Cash Price

$67,680

Sport S 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$58,710*

Total Cash Price

$74,505

Unlimited Sport S 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$62,296*

Total Cash Price

$79,055

Rubicon 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$54,677*

Total Cash Price

$69,386

Unlimited Rubicon 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$44,817*

Total Cash Price

$56,874

Unlimited Sahara Altitude 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$45,713*

Total Cash Price

$58,011

Unlimited Willys Sport 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$50,195*

Total Cash Price

$63,699

Unlimited Sahara 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$60,055*

Total Cash Price

$76,211

Unlimited Sport 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$66,777*

Total Cash Price

$84,742

Willys Sport 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$47,954*

Total Cash Price

$60,855

Willys 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$50,643*

Total Cash Price

$64,268

Islander 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$52,436*

Total Cash Price

$66,543

Unlimited 80th Edition 4dr SUV 4WD (2.0L 4cyl Turbo 8A)

True Cost to Own

$59,158*

Total Cash Price

$75,074

Unlimited Freedom 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$45,713*

Total Cash Price

$58,011

80th Edition 2dr SUV 4WD (2.0L 4cyl Turbo 8A)

True Cost to Own

$63,640*

Total Cash Price

$80,761

Freedom 2dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$61,847*

Total Cash Price

$78,486

Unlimited Islander 4dr SUV 4WD (3.6L 6cyl 6M)

True Cost to Own

$65,881*

Total Cash Price

$83,605

Unlimited High Altitude 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

True Cost to Own

$45,713*

Total Cash Price

$58,011

Unlimited Rubicon 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

True Cost to Own

$49,299*

Total Cash Price

$62,561

Unlimited Sahara 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

True Cost to Own

$58,710*

Total Cash Price

$74,505

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Sport 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,000$1,035$1,071$1,109$1,147$5,361
Maintenance$245$1,070$629$3,223$538$5,704
Repairs$0$0$307$732$1,072$2,111
Taxes & Fees$3,248$64$64$64$64$3,506
Financing$4,952$4,000$2,975$1,869$679$14,475
Depreciation$7,196$3,010$2,852$3,343$3,167$19,568
Fuel$2,264$2,332$2,402$2,474$2,548$12,020
True Cost to Own®$18,904$11,511$10,300$12,814$9,215$62,744

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sport Altitude 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$950$983$1,017$1,053$1,089$5,093
Maintenance$233$1,016$597$3,062$511$5,418
Repairs$0$0$291$696$1,019$2,006
Taxes & Fees$3,086$61$61$61$61$3,330
Financing$4,704$3,800$2,826$1,776$645$13,751
Depreciation$6,836$2,860$2,709$3,176$3,008$18,589
Fuel$2,151$2,216$2,282$2,350$2,421$11,419
True Cost to Own®$17,959$10,935$9,785$12,173$8,754$59,607

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited High Altitude 4dr SUV 4WD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$843$872$903$935$966$4,518
Maintenance$207$902$530$2,716$453$4,807
Repairs$0$0$258$617$904$1,779
Taxes & Fees$2,738$54$54$54$54$2,955
Financing$4,174$3,371$2,508$1,575$572$12,200
Depreciation$6,065$2,537$2,404$2,818$2,669$16,493
Fuel$1,908$1,966$2,025$2,085$2,148$10,131
True Cost to Own®$15,934$9,702$8,681$10,801$7,767$52,884

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Willys 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$850$879$910$942$975$4,557
Maintenance$208$909$534$2,739$457$4,848
Repairs$0$0$261$622$912$1,795
Taxes & Fees$2,761$55$55$55$55$2,980
Financing$4,209$3,400$2,529$1,589$577$12,303
Depreciation$6,117$2,559$2,424$2,842$2,692$16,633
Fuel$1,924$1,983$2,042$2,103$2,166$10,217
True Cost to Own®$16,069$9,784$8,755$10,892$7,833$53,332

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Sport S 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$935$968$1,002$1,038$1,073$5,016
Maintenance$229$1,001$588$3,016$503$5,337
Repairs$0$0$287$685$1,003$1,975
Taxes & Fees$3,039$60$60$60$60$3,280
Financing$4,633$3,743$2,784$1,749$635$13,544
Depreciation$6,733$2,817$2,668$3,128$2,963$18,310
Fuel$2,118$2,182$2,248$2,315$2,384$11,248
True Cost to Own®$17,689$10,771$9,638$11,990$8,622$58,710

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sport S 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$992$1,027$1,063$1,101$1,138$5,322
Maintenance$243$1,062$624$3,200$534$5,663
Repairs$0$0$304$727$1,065$2,096
Taxes & Fees$3,225$64$64$64$64$3,481
Financing$4,916$3,971$2,954$1,856$674$14,371
Depreciation$7,145$2,989$2,831$3,319$3,144$19,428
Fuel$2,248$2,316$2,385$2,456$2,530$11,935
True Cost to Own®$18,769$11,429$10,226$12,723$9,149$62,296

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Rubicon 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$871$902$933$966$999$4,671
Maintenance$214$932$548$2,808$468$4,970
Repairs$0$0$267$638$935$1,840
Taxes & Fees$2,830$56$56$56$56$3,055
Financing$4,315$3,486$2,593$1,629$592$12,614
Depreciation$6,271$2,623$2,485$2,913$2,760$17,052
Fuel$1,973$2,033$2,094$2,156$2,220$10,475
True Cost to Own®$16,474$10,031$8,976$11,167$8,030$54,677
Ownership Costs: 5-Year Total

Depreciation

$13,977

Taxes & Fees

$2,504

Financing

$10,339

Fuel

$8,586

Insurance

$3,829

Repairs

$1,508

Maintenance

$4,074

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Rubicon 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$714$739$765$792$819$3,829
Maintenance$175$764$449$2,302$384$4,074
Repairs$0$0$219$523$766$1,508
Taxes & Fees$2,320$46$46$46$46$2,504
Financing$3,537$2,857$2,125$1,335$485$10,339
Depreciation$5,140$2,150$2,037$2,388$2,262$13,977
Fuel$1,617$1,666$1,716$1,767$1,820$8,586
True Cost to Own®$13,503$8,222$7,357$9,153$6,582$44,817

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sahara Altitude 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$728$754$780$808$835$3,906
Maintenance$179$779$458$2,348$392$4,155
Repairs$0$0$223$533$781$1,538
Taxes & Fees$2,366$47$47$47$47$2,554
Financing$3,608$2,914$2,168$1,362$495$10,546
Depreciation$5,243$2,193$2,078$2,436$2,307$14,257
Fuel$1,649$1,699$1,750$1,802$1,856$8,758
True Cost to Own®$13,773$8,386$7,504$9,336$6,714$45,713

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Willys Sport 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$800$828$857$887$917$4,288
Maintenance$196$856$503$2,578$430$4,563
Repairs$0$0$245$586$858$1,689
Taxes & Fees$2,598$52$52$52$52$2,804
Financing$3,961$3,200$2,380$1,495$543$11,580
Depreciation$5,757$2,408$2,281$2,675$2,533$15,654
Fuel$1,811$1,866$1,922$1,979$2,038$9,616
True Cost to Own®$15,123$9,209$8,240$10,251$7,372$50,195

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sahara 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$957$990$1,025$1,061$1,097$5,131
Maintenance$235$1,024$602$3,085$515$5,459
Repairs$0$0$293$701$1,026$2,021
Taxes & Fees$3,109$62$62$62$62$3,355
Financing$4,740$3,828$2,848$1,789$650$13,854
Depreciation$6,888$2,881$2,730$3,200$3,031$18,729
Fuel$2,167$2,232$2,299$2,368$2,439$11,505
True Cost to Own®$18,094$11,017$9,858$12,265$8,820$60,055

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sport 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,064$1,101$1,140$1,180$1,220$5,705
Maintenance$261$1,138$669$3,430$572$6,070
Repairs$0$0$326$779$1,141$2,247
Taxes & Fees$3,457$69$69$69$69$3,731
Financing$5,270$4,257$3,166$1,989$723$15,405
Depreciation$7,659$3,204$3,035$3,558$3,370$20,826
Fuel$2,409$2,482$2,557$2,633$2,712$12,793
True Cost to Own®$20,119$12,251$10,962$13,638$9,807$66,777

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Willys Sport 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$764$791$819$847$876$4,097
Maintenance$187$817$480$2,463$411$4,359
Repairs$0$0$234$560$820$1,614
Taxes & Fees$2,482$49$49$49$49$2,679
Financing$3,785$3,057$2,274$1,428$519$11,063
Depreciation$5,500$2,301$2,180$2,555$2,420$14,955
Fuel$1,730$1,783$1,836$1,891$1,947$9,187
True Cost to Own®$14,448$8,798$7,872$9,794$7,043$47,954

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Willys 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$807$835$864$895$925$4,327
Maintenance$198$863$507$2,601$434$4,604
Repairs$0$0$247$591$866$1,704
Taxes & Fees$2,622$52$52$52$52$2,830
Financing$3,997$3,228$2,401$1,509$548$11,683
Depreciation$5,808$2,429$2,302$2,698$2,556$15,794
Fuel$1,827$1,883$1,939$1,997$2,057$9,702
True Cost to Own®$15,258$9,291$8,313$10,343$7,438$50,643

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Islander 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$835$865$895$927$958$4,480
Maintenance$205$894$525$2,693$449$4,767
Repairs$0$0$256$612$896$1,764
Taxes & Fees$2,714$54$54$54$54$2,930
Financing$4,138$3,343$2,486$1,562$567$12,097
Depreciation$6,014$2,516$2,383$2,794$2,647$16,353
Fuel$1,892$1,949$2,008$2,067$2,129$10,046
True Cost to Own®$15,799$9,620$8,608$10,709$7,701$52,436

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited 80th Edition 4dr SUV 4WD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$942$975$1,010$1,045$1,081$5,054
Maintenance$231$1,008$593$3,039$507$5,378
Repairs$0$0$289$690$1,011$1,991
Taxes & Fees$3,062$61$61$61$61$3,305
Financing$4,669$3,771$2,805$1,762$640$13,647
Depreciation$6,785$2,838$2,689$3,152$2,986$18,450
Fuel$2,134$2,199$2,265$2,332$2,402$11,334
True Cost to Own®$17,824$10,853$9,711$12,082$8,688$59,158

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Freedom 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$728$754$780$808$835$3,906
Maintenance$179$779$458$2,348$392$4,155
Repairs$0$0$223$533$781$1,538
Taxes & Fees$2,366$47$47$47$47$2,554
Financing$3,608$2,914$2,168$1,362$495$10,546
Depreciation$5,243$2,193$2,078$2,436$2,307$14,257
Fuel$1,649$1,699$1,750$1,802$1,856$8,758
True Cost to Own®$13,773$8,386$7,504$9,336$6,714$45,713

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV 80th Edition 2dr SUV 4WD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,014$1,049$1,086$1,125$1,163$5,437
Maintenance$249$1,085$638$3,269$545$5,785
Repairs$0$0$311$743$1,088$2,141
Taxes & Fees$3,294$65$65$65$65$3,556
Financing$5,023$4,057$3,018$1,896$689$14,681
Depreciation$7,299$3,053$2,893$3,391$3,212$19,847
Fuel$2,296$2,366$2,437$2,509$2,584$12,192
True Cost to Own®$19,174$11,675$10,447$12,997$9,346$63,640

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Freedom 2dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$985$1,020$1,056$1,093$1,130$5,284
Maintenance$241$1,054$620$3,177$530$5,622
Repairs$0$0$302$722$1,057$2,081
Taxes & Fees$3,202$63$63$63$63$3,456
Financing$4,881$3,943$2,933$1,842$669$14,268
Depreciation$7,093$2,967$2,811$3,295$3,122$19,288
Fuel$2,231$2,299$2,368$2,438$2,512$11,849
True Cost to Own®$18,634$11,346$10,153$12,631$9,083$61,847

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Islander 4dr SUV 4WD (3.6L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,050$1,086$1,125$1,164$1,204$5,629
Maintenance$257$1,123$660$3,384$564$5,989
Repairs$0$0$322$769$1,126$2,217
Taxes & Fees$3,410$68$68$68$68$3,681
Financing$5,199$4,200$3,124$1,962$713$15,198
Depreciation$7,556$3,161$2,994$3,510$3,325$20,546
Fuel$2,377$2,449$2,523$2,597$2,675$12,621
True Cost to Own®$19,849$12,086$10,815$13,455$9,676$65,881

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited High Altitude 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$728$754$780$808$835$3,906
Maintenance$179$779$458$2,348$392$4,155
Repairs$0$0$223$533$781$1,538
Taxes & Fees$2,366$47$47$47$47$2,554
Financing$3,608$2,914$2,168$1,362$495$10,546
Depreciation$5,243$2,193$2,078$2,436$2,307$14,257
Fuel$1,649$1,699$1,750$1,802$1,856$8,758
True Cost to Own®$13,773$8,386$7,504$9,336$6,714$45,713

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Rubicon 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$785$813$842$871$901$4,212
Maintenance$193$840$494$2,532$422$4,481
Repairs$0$0$241$575$843$1,659
Taxes & Fees$2,552$51$51$51$51$2,754
Financing$3,891$3,143$2,338$1,469$534$11,373
Depreciation$5,654$2,365$2,241$2,627$2,488$15,375
Fuel$1,779$1,833$1,888$1,944$2,002$9,445
True Cost to Own®$14,853$9,044$8,093$10,068$7,240$49,299

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Wrangler SUV Unlimited Sahara 4XE 4dr SUV 4WD (2.0L 4cyl Turbo gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$935$968$1,002$1,038$1,073$5,016
Maintenance$229$1,001$588$3,016$503$5,337
Repairs$0$0$287$685$1,003$1,975
Taxes & Fees$3,039$60$60$60$60$3,280
Financing$4,633$3,743$2,784$1,749$635$13,544
Depreciation$6,733$2,817$2,668$3,128$2,963$18,310
Fuel$2,118$2,182$2,248$2,315$2,384$11,248
True Cost to Own®$17,689$10,771$9,638$11,990$8,622$58,710

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.


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Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2021 Jeep Wrangler in Virginia is:

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