Best Jeep Car Insurance Rates in 2024
Most Jeep owners will pay an average of $137/mo for full coverage, but some models are more expensive than others. When you compare Jeep car insurance rates by model, the Jeep Cherokee is the most expensive to insure at $164/mo, while Jeep Wrangler insurance only costs an average of $126/mo.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: May 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Jeep car insurance rates usually match the national average, with the average driver paying $137 a month
- Insurance rates for Jeeps are usually low due to excellent safety ratings and affordable price tags
- Jeep drivers can save even more on their car insurance by comparing quotes, finding discounts, and being a safe driver
Jeep car insurance rates are usually low, but this doesn’t mean that you shouldn’t take the time to compare Jeep car insurance rates to get the best price based on your driving profile. While the average Jeep driver pays about $137 a month for coverage, there are several factors that will affect your rates. For example, Jeep car insurance for new drivers is usually much more expensive than coverage for older drivers.
Explore your options for affordable Jeep car insurance rates below, then compare quotes from as many companies as possible to find the best policy for your Jeep.
Jeep Car Insurance Rates
The average Jeep driver pays about $137 a month for car insurance, but several factors can make your rates higher or lower. Regardless, most Jeep drivers see rates that match the national average.
Because Jeep car insurance matches the national average so closely, you can get an idea of where to start your search for coverage by looking at average prices from the largest companies in the U.S. Check below to see how much you might pay based on the company you choose.
Average Monthly Full Coverage Car Insurance Rates by Company
| Car Insurance Companies | Monthly Full Coverage Car Insurance Rates |
|---|---|
| Allstate | $318 |
| American Family | $224 |
| Farmers | $288 |
| Geico | $179 |
| Liberty Mutual | $398 |
| Nationwide | $229 |
| Progressive | $283 |
| State Farm | $235 |
| Travelers | $287 |
| Average | $260 |
State Farm and Geico are some of the cheapest companies for Jeep insurance, (read our State Farm car insurance review and Geico car insurance review for more information on these companies). On the other hand, Allstate car insurance is usually more expensive.
However, companies have unique formulas to craft insurance quotes, so you should always compare your options.
Read our post on how to compare cheap car insurance policies to find out more ways to save. You probably won’t pick the most affordable company for your Jeep insurance on your first try, so looking at multiple quotes is important.
Jeep Car Insurance Rates by Model
Although Jeep car insurance usually matches the national average, some models are more expensive to insure than others. Check below to see how much some of Jeep’s most popular models cost for insurance.
Jeep Average Monthly Auto Insurance Rates by Model and Coverage Type
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Jeep Patriot | $25 | $44 | $42 | $126 |
| 2023 Jeep Wrangler | $28 | $38 | $42 | $126 |
| 2023 Jeep Compass | $29 | $50 | $37 | $132 |
| 2023 Jeep Grand Cherokee | $32 | $56 | $37 | $141 |
| 2023 Jeep Cherokee | $35 | $63 | $47 | $164 |
The Jeep Cherokee is currently one of the most expensive models to insure, while the Patriot and Wrangler have the lowest rates.
Keep in mind that the prices listed above are averages — you might see much different prices when you look at personalized quotes.
Uncover Your Options: Compare Jeep Car Insurance Rates by Model
Quickly compare car insurance rates for various Jeep models including Commander, Compass, Liberty, Patriot, and Wagoneer. Start now to find the best rates for your Jeep!
| Compare Jeep Car Insurance Rates by Model |
|---|
| Jeep Commander |
| Jeep Compass |
| Jeep Liberty |
| Jeep Patriot |
| Jeep Wagoneer |
Jeep Car Insurance Rates by Age
As you’ll see below, your age plays an important role in determining your Jeep insurance costs. Young drivers pay more for car insurance because they file more claims than older adults.
Check out the prices below to see how your age might affect your Jeep insurance rates.
Jeep Average Monthly Auto Insurance Rates by Model and Driver Age
| Vehicle Model | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|
| 2023 Jeep Wrangler | $285 | $131 | $126 | $114 | $112 |
| 2023 Jeep Patriot | $285 | $131 | $126 | $115 | $112 |
| 2023 Jeep Compass | $300 | $138 | $132 | $121 | $118 |
| 2023 Jeep Grand Cherokee | $320 | $148 | $141 | $129 | $126 |
| 2023 Jeep Cherokee | $372 | $171 | $164 | $149 | $146 |
Teens and young adults can pay four times as much for Jeep insurance as older drivers. The good news is that your rates will lower around age 25 if you keep your driving record clean.
Parents and guardians can also help teens find cheap car insurance. You can cut a teen’s rate in half if you add them to a pre-existing family policy.
Learn more: Compare Teen Driver Car Insurance Rates
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Types of Jeep Car Insurance
Jeeps hold a special place in their owners’ hearts as one of the best-known adventure brands in America. Buying the right coverage is one of the best ways to protect your Jeep.
Minimum insurance is the least amount of coverage you can buy in your state and still drive. It’s an excellent option for people with low-value, older cars and can help keep your insurance costs down.
The best full coverage car insurance includes a suite of insurance types and offers much better protection. Many Jeep owners opt for full coverage, even when they own older models. Some Jeep models — especially the Wrangler — have low depreciation rates. That means your Jeep will retain its value for a long time, and full coverage protects your investment.
Learn more: Compare Full Coverage Car Insurance: Rates, Discounts, & Requirements
Consider the following types of car insurance below to understand what full coverage offers your Jeep:
- Liability: If you cause an accident, liability car insurance pays for damages and injuries to other drivers, their passengers, and bystanders. It doesn’t cover your car. Read more: Compare Liability Car Insurance: Rates, Discounts, & Requirements
- Collision: Collision car insurance covers your Jeep after you cause an accident. Collision insurance pays for your repairs if you hit another driver, a parked car, or a stationary object.
- Uninsured/underinsured motorist: Most states require insurance, but that doesn’t mean every driver carries enough. Uninsured/underinsured motorist insurance protects you from drivers without enough coverage.
- Comprehensive: For everything that can damage your car outside a collision, there’s comprehensive insurance. It covers damage from fire, floods, vandalism, extreme weather, animals, and theft.
- Personal injury protection/medical payments: Medical bills are more expensive than ever, but medical payments or personal injury protection insurance helps pay for them after an accident. They also cover your passengers. Learn more: What is personal injury protection (PIP) insurance?
With all the coverage listed above, it’s easy to see why many Jeep owners choose full coverage. Many drivers want to drive their Jeeps for years to come, and full coverage is one of the best ways to accomplish that.
Factors That Affect Jeep Car Insurance Rates
Although Jeeps are usually affordable vehicles to cover, certain factors might make your insurance more expensive. Below are some of the following factors that affect car insurance rates:
- Age and gender: Men and young drivers pay more for car insurance because they get into more accidents and file more claims. The good news is that the price gap lessens with age when you compare car insurance rates by age and gender.
- Location: Depending on where you live, you might pay more for car insurance. Some states are more expensive than others due to heavy traffic, more accidents, and extreme weather risks.
- Driving history: Car insurance companies check your driving records, so expect to pay less for your insurance if you have a clean driving record. Traffic incidents can significantly increase your rates.
- Credit score: It surprises many drivers, but insurance companies can use your credit scores to determine your rates in most states. Drivers with higher scores receive better insurance rates.
- Marital status: Married people file fewer claims than single, divorced, or widowed people, so they usually pay less for insurance. Find out more: Why are car insurance rates higher for singles vs. married couples?
- Your car: The car you drive is integral to your rates. Insurance companies look at your car’s age, title history, and model to determine how much you should pay for insurance.
You also need to consider how much insurance you need. Minimum insurance is your cheapest option, but it leaves your Jeep unprotected. Full coverage offers better protection but can cost double or even triple what minimum insurance costs.
How to Save on Jeep Car Insurance
Although Jeep drivers tend to pay rates that match the national average, you don’t have to settle for the first price you see. Try the following tips to find the lowest rates possible:
- Lower your coverage. You should consider lowering your coverage if your Jeep is older or worth less than a few thousand dollars. Your Jeep will be less protected, but you’ll save on monthly rates.
- Raise your deductible. Your car insurance deductible is the amount you pay when filing a claim. You can lower your car insurance rates by increasing your deductible.
- Be a safe driver. You’ll pay less for car insurance with a clean driving record. Speeding tickets, reckless driving charges, or DUIs can dramatically impact your rates. Find out how much does a speeding ticket affect car insurance rates.
- Look for discounts. You should look at how many car insurance discounts a company offers before choosing. Popular discounts include paying your policy in full and bundling policies for auto and home insurance.
- Enroll in a telematics program. Insurance companies offer safe drivers an easy way to save on their insurance. You’ll earn a discount if you let your company track your driving habits. Compare usage-based car insurance here.
- Keep your car safe. Keeping your Jeep parked in a secure spot every night will help keep your rates low. You might earn a discount if you have security features like audible alarms or GPS tracking. Find safety features car insurance discounts here.
Like other types of insurance, the most important way to ensure you get affordable Jeep car insurance to compare Jeep car insurance quotes. Some companies will have lower prices than others for your unique situation. For example, State Farm is one of the cheapest options for drivers with a DUI.
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Find the Best Jeep Car Insurance Quotes Today
As one of America’s most easily recognized brands, Jeeps are a popular choice for everyone, from outdoor enthusiasts to high school drivers. Affordable Jeep insurance rates add another reason to consider buying a Jeep.
While insurance rates are generally affordable, there are always more ways to save on your Jeep coverage. While finding discounts and being a safe driver is important, it is best to compare Jeep car insurance rates to maximize your savings. Use our free quote comparison tool to find cheap Jeep car insurance in your area today.
Frequently Asked Questions
How can I compare Jeep car insurance rates?
Comparing Jeep car insurance rates involves the following steps:
- Gather information: Collect details about your Jeep, such as its make, model, year of manufacture, trim level, and any additional features or modifications.
- Research insurance providers: Look for reputable insurance companies that offer coverage in your area. Consider factors like customer reviews, financial stability, and the range of coverage options they provide.
- Request quotes: Contact insurance providers and request quotes for insuring your Jeep. Provide accurate information to get the most accurate quotes.
- Compare coverage options: Review the coverage options offered by each insurance company. Look for factors like liability coverage, collision and comprehensive coverage, personal injury protection, and any additional add-ons or discounts available.
- Consider deductibles and limits: Compare the deductibles and coverage limits associated with the quotes you receive. Higher deductibles typically lead to lower premiums but require you to pay more out-of-pocket in the event of a claim.
- Evaluate the reputation and customer service: Consider the reputation and customer service of each insurance company. Look for feedback from current or past customers to assess their satisfaction with the company’s claims process and overall experience.
- Finalize your decision: After comparing rates, coverage options, deductibles, limits, and customer service, choose the insurance company that best suits your needs and budget.
What factors affect Jeep car insurance rates?
Several factors can influence the cost of Jeep car insurance rates. These may include:
- Jeep model: The specific model of your Jeep can impact insurance rates. More expensive or high-performance models may have higher premiums.
- Age and condition: The age and overall condition of your Jeep can affect insurance rates. Older or poorly maintained Jeeps may have higher rates due to potential reliability or safety concerns.
- Personal driving record: Your individual driving history, including any accidents, traffic violations, or claims, can affect your insurance rates. A clean driving record generally leads to lower premiums.
- Location: The area where you live can impact insurance rates. Locations with higher rates of theft, vandalism, or accidents may have higher premiums.
- Usage: How you use your Jeep can also influence insurance rates. If you use your Jeep for commercial purposes or extensive mileage, it may lead to higher premiums.
- Credit history: In some jurisdictions, insurance companies may consider your credit history when determining rates. A good credit score can lead to lower premiums.
- Coverage and deductibles: The coverage options and deductibles you choose can affect your insurance rates. Higher coverage limits or lower deductibles may result in higher premiums.
- Discounts: Insurance companies often offer various discounts that can lower your rates. These may include safe driver discounts, multi-policy discounts, or discounts for safety features on your Jeep.
Are Jeep Wranglers more expensive to insure?
Jeep Wranglers can have varying insurance rates depending on several factors. While insurance rates can be influenced by the model, age, and condition of the Jeep, Wranglers are generally not considered significantly more expensive to insure compared to other SUVs or similar vehicles. However, it’s important to consider that factors such as personal driving history, location, and coverage options will also impact the insurance rates for a Jeep Wrangler.
Can I get discounts on Jeep car insurance?
Yes, you can often obtain discounts on Jeep car insurance. Insurance companies commonly offer discounts based on factors such as:
- Safe driving: Maintaining a clean driving record and having no accidents or traffic violations can make you eligible for a safe driver discount.
- Multiple policies: If you have multiple insurance policies with the same provider, such as home and auto insurance, you may qualify for a multi-policy discount.
- Safety features: Equipping your Jeep with safety features such as anti-lock brakes, airbags, and anti-theft devices can lead to discounts on your insurance premiums.
- Good student: If you or a member of your household is a student with good grades, you may be eligible for a discount.
- Affiliations: Some insurance companies offer discounts for being a member of certain organizations or professional groups.
Are there any specific insurance companies that specialize in Jeep car insurance?
While there may not be insurance companies that specialize exclusively in Jeep car insurance, many insurance providers offer coverage specifically tailored for Jeeps. It’s recommended to research reputable insurance companies and compare their coverage options, rates, and customer reviews to find the best fit for your Jeep.
Are Jeep car insurance rates expensive?
The insurance rates for Jeeps can vary depending on several factors. While rates for certain Jeep models may be higher due to factors such as repair costs or safety ratings, it’s important to note that insurance rates are determined by various factors, including the driver’s history, location, coverage options, and the specific insurance provider. Comparing quotes from different insurance companies will help you determine how Jeep car insurance rates compare to other vehicles in your situation.
Why is my Jeep car insurance so expensive?
It could be due to your driving record, age, location, and other factors. Comparing Jeep car insurance rates from different companies is the best way to find savings.
Are Jeep Grand Cherokees the most expensive models to insure?
Jeep Grand Cherokees have more expensive rates on average for Jeep car insurance, but it is not the most expensive Jeep to insure. The Jeep Cherokee actually has the most expensive rates on average.
What is the cheapest car insurance company for a Jeep Wrangler?
It depends on your driving record, area, and more, but some companies that are cheaper in general are USAA, Geico, and State Farm. These companies may be able to help you save on your Jeep auto insurance policy.
How can I lower my Jeep car insurance rates?
To potentially lower your Jeep car insurance rates, you can consider the following:
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you choose a deductible amount you can comfortably afford to pay if you need to make a claim.
- Maintain a clean driving record: Avoid traffic violations and accidents to maintain a good driving record. Safe driving habits can result in lower insurance rates over time.
- Install safety features: Adding safety features to your Jeep, such as anti-theft devices, airbags, or lane departure warning systems, can potentially qualify you for discounts on your insurance premiums.
- Seek discounts: Inquire with your insurance provider about available discounts and ensure you’re taking advantage of all the ones you qualify for.
- Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premiums are based on your actual driving habits. If you’re a safe driver, this could lead to potential savings.
- Compare quotes: Periodically compare quotes from different insurance providers to ensure you’re getting the best possible rate for your Jeep. Insurance rates can vary between companies, so shopping around can be beneficial.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.