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Cheapest Jeep Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Jeep.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Jeep car insurance cost?

Getting behind the wheel of a Jeep is a no-brainer for those who love to adventure off the beaten path. They’re known for being some of the toughest all-terrain vehicles in the world and have become one of the most iconic brands for off-roading. But while driving a Jeep may be cool, the insurance cost for them isn’t always.
Insurance rates are largely influenced by the kind of car you drive. Still, insurers also consider personal factors like age, location, driving history, and coverage needs when calculating auto insurance rates. So, that’s why there’s no such thing as an ‘average’
auto insurance quote

How to find the cheapest Jeep Car Insurance Quotes

There are some specific factors that Jeep owners will want to account for that can lead to more expensive insurance rates—like off-road capabilities, safety ratings, and hybrid models.
Luckily, Jerry Insurance Agency is here to maximize your savings on car insurance. In seconds, Jerry compares insurance quotes from 50+ top providers to find the best coverage for the best rate. It’s quick, simple, and hassle-free—no phone calls, emails, or sales pitches. 
See the table below for examples of real Jeep car insurance quotes found by Jerry.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 20, 2024
Jeep Liberty Limited
Gainsco
$85
• State Minimum Liability
July 16, 2024
Jeep Cherokee LatitudeSafeco
$185
• State Minimum Liability
• Comp / Collision
July 14, 2024
Jeep Grand Cherokee Limited
Clearcover
$85
• 50,000/100,000 Liability
• Comp / Collision
July 13, 2024
Jeep Cherokee SportBristol West
$227
• 100,000/300,000 Liability
• Comp / Collision
July 12, 2024
Jeep Patriot LatitudeProgressive
$106
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

Best car insurance companies for Jeep drivers

Shopping for auto insurance
can be a headache—with so many companies and coverage options, finding what you need at an affordable rate isn’t always easy.
To complicate matters, no single provider offers the cheapest rate for every Jeep owner. Car insurance rates are personalized based on age, insurance history, driving record, zip code, vehicle make and model, and more, so each driver will receive a unique rate.
At Jerry, we wanted to take the stress out of insurance shopping, so we conducted the largest car insurance survey nationwide to help Jeep drivers find the best insurance prices—we spoke to more than 16,000 policyholders in 50 states about 87 insurance providers.
Here’s how Jeep drivers rate some of the top insurance companies.

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.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Travelers
Was stressing when i got my first car for insurance but Jerry found such a killer deal.
Brandon
Progressive
"My son was in an accident and Progressive was so easy to use. Within a week we had everything taken care of and our payout in our account. They truly made a scary situation better! "
Rose
AAA
AAA dependable partnership with local towing company. Alleviates me from any daily bumps In the road.
Freddie
Progressive
Great customer service.
Erika

Are Jeeps more expensive to insure?

The cost to insure a Jeep depends on several factors, including the model, model year, vehicle features, driver’s age, driving history, location, coverage needs, and more. 
In general, Jeeps aren’t necessarily more expensive to insure than other vehicles, but certain Jeeps have features that may increase insurance rates. For example, newer and more expensive models will have higher insurance costs than older models. If you have higher coverage needs, you’ll also pay more. 
Compared to the average cost of other cars, Jeeps cost 4% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Porsche
$83
$197
Subaru
$85
$155
Chrysler
$91
$179
Volkswagen
$93
$176
Jeep
$94
$165

Cheapest Jeeps to insure

If you want to save money on insurance costs, the fully-loaded off-road-ready Wrangler probably isn’t the way to go. Base trim levels of most Jeep models can help cut insurance costs by reducing the car’s value and limiting expensive tech features. 
The cheapest Jeep model to insure is 2022 Jeep Wrangler, with an average monthly premium of $36 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2022 Jeep Wrangler
$74
$198
2021 Jeep Wrangler
$74
$156
2020 Jeep Gladiator
$74
$175
2021 Jeep Renegade
$74
$155
2012 Jeep Compass
$74
$161

Most expensive Jeeps to insure

Off-road-ready Jeeps might not be the epitome of luxury, but some models come with some luxurious insurance costs. A plethora of tech features, expensive price tags, and mediocre safety ratings are some factors that can lead to abnormally high auto insurance rates. 
The most expensive Jeep model to insure is the 2021 Jeep Cherokee, with an average monthly premium of $139 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2021 Jeep Cherokee
$137
$169
2018 Jeep Grand Cherokee
$130
$171
2023 Jeep Wrangler
$130
$173
2019 Jeep Wrangler
$123
$170
2022 Jeep Grand Cherokee
$121
$224
But car insurance rates aren’t only dependent on the model—they’re also heavily affected by personal factors like age, driving record, insurance and claim history, location, and coverage needs. That’s why the best way to save on car insurance is to shop around and compare rates to find the coverage you need at the most affordable price.

What factors affect Jeep car insurance rates?

When
calculating car insurance rates
, insurance providers consider a number of factors:
  • Vehicle cost: The more expensive the Jeep, the more expensive the insurance tends to be. Full coverage car insurance is also the most costly for luxury, high-performance, and sports cars. 
  • Vehicle age: Newer Jeep models generally cost more to insure because of more complex technology and a higher replacement cost.
  • Vehicle safety features: Not all Jeeps have stellar safety ratings, but newer models are equipped with driver safety aids and driving assists that can help to improve vehicle safety and reduce accident risk.
  • Your age: Drivers under 25—especially those 16 to 19—pay the highest insurance rates due to limited driving experience. Senior drivers over 70 also pay some of the highest insurance rates. 
  • Your driving record and claims history: Auto insurance companies look at your accident record to determine your risk level. Good drivers will be rewarded with lower insurance rates. 
  • Credit history: Credit scores may be used in some states to determine your risk level. Drivers with good credit history usually see lower insurance rates.
  • Coverage: Purchasing minimum coverage is less expensive than a full coverage insurance policy. 
Here are some factors that specifically impact auto insurance rates for Jeeps:
  • Safety features: Jeeps equipped with advanced safety features like anti-lock brakes, airbags, traction control, and electronic stability control may see lower insurance rates.
  • Off-road capabilities: Jeeps are designed for off-road use, and taking your vehicle off-road can lead to higher insurance rates due to an increased risk of damage.
  • High-performance models: Insurers see models with high-performance engines as riskier, so they’ll have higher insurance rates to compensate for an increased accident risk. 

Jeep insurance cost for young drivers

Teen drivers
under 25—especially drivers aged 16 to 19—are subject to the highest insurance rates of any age bracket due to limited driving experience. As they gain more experience behind the wheel, rates will decrease. 
We recommend investing in a full coverage car insurance policy for young drivers and those driving new cars for more financial protection against accidents.
Check out the table below to see how Jerry helped young Jeep drivers find affordable car insurance.

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Alice (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationStorm Lake, IA
carJeep Grand Cherokee Overland
$147
per month
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Jerry (23 years old)
coverageCoverage
State Minimum
carJeep Renegade Sport
$121
per month
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Ophelia (21 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carJeep Grand Cherokee Limited
$192
per month
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Maria (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Renegade Sport
$243
per month
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Adam (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSaint Paul, OR
carJeep Cherokee Latitude
$219
per month

Jeep insurance cost for senior drivers

Senior drivers over 70 pay the next highest insurance costs due to a higher susceptibility to injury and mortality if they’re involved in an accident and slower reflexes that increase the likelihood of being in a car crash. 
But
car insurance rates for seniors
can still be affordable—Jerry can help seniors find the coverage they need at a cheap rate. 
See how Jerry helped senior Jeep drivers find car insurance. 

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Martha (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Compass Latitude
$173
per month
card cover
Olive (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Renegade Latitude
$135
per month
card cover
Jeffery (68 years old)
coverageCoverage
State Minimum
carJeep Liberty Renegade
$72
per month
card cover
Kathryn (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Patriot Sport
$215
per month
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Kyle (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationDarien, WI
carJeep Patriot Latitude
$86
per month

Jeep insurance cost for drivers with driving violations 

Maintaining a
clean driving record
is one of the simplest ways to lower car insurance payments. If you’re a Jeep drivers with a history of at-fault accidents, speeding tickets, and other driving violations, you’ll be pegged as a
high-risk driver
by insurers. This almost guarantees high auto insurance rates—if an insurer is even willing to insure you. 

Cheapest car insurance for Jeep drivers with speeding ticket

Having a single speeding ticket on your record for going less than five miles over the posted speed limit likely won’t do major damage to your car insurance premium, but having multiple offenses or a
reckless driving
charge on your record could.  
But for Jeep drivers with speeding tickets on their record, Jerry can help find the most affordable insurance policy. 

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Jeep Grand Cherokee LaredoPlymouth Rock
$239
• 15,000/30,000 Liability
• Comp / Collision
Speeding 6-10
Jeep Compass LatitudeProgressive
$133
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Jeep Grand Cherokee LaredoNational General
$184
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Jeep Renegade LatitudeMercury
$87
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 25, 2024

Cheapest car insurance for Jeep drivers with a DUI record

A major violation like a
DUI conviction
can wreak havoc on your insurance premium. You’ll have to file an SR-22 and you’ll see exponentially higher insurance rates than drivers without a DUI conviction. That’s why using Jerry to shop around for the cheapest car insurance quote can be handy. 
Check out the chart below to see how Jerry has helped Jeep drivers find cheap auto insurance after a DUI.

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Luke (34 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLivingston, MT
carJeep Renegade Sport
$186
per month
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Mollie (31 years old)
DUI
coverageCoverage
30,000 per person
85,000 per accident bodily injury
Comp / Collision
carJeep Grand Cherokee Laredo
$211
per month
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Leon (28 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationAbsecon, NJ
carJeep Wrangler Unlimited Sahara
$193
per month
card cover
Chester (37 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carJeep Cherokee Sport
$125
per month
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Clearcover
Agnes (26 years old)
DUI
coverageCoverage
State Minimum
carJeep Cherokee Sport
$82
per month

Cheapest car insurance for Jeep drivers after an accident

An at-fault accident on your car insurance record or a history of insurance claims can also result in higher-than-average insurance premiums. Thankfully, comparing rates with Jerry can help you find the cheapest rates.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Jeep Patriot LatitudeProgressive
$106
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Jeep Compass LatitudeNationwide
$116
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Jeep Compass TrailhawkTravelers
$168
• State Minimum Liability
• Comp / Collision
Not At Fault
Jeep Compass LatitudeAllstate
$185
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Jeep Patriot SportAAA
$208
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Cheapest car insurance for Jeep drivers with other driving violations on their record

In addition to speeding tickets and a DUI, other driving violations like reckless driving,
driving with a suspended license
, or driving without insurance can significantly hike insurance rates. We’ve compiled a list of various driving violations and how we helped Jeep drivers lower their car insurance rates with these violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Jeep Gladiator OverlandProgressive
$133
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Jeep Wrangler Unlimited RubiconTravelers
$165
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Jeep Compass TrailhawkSafeco
$140
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Jeep Renegade LatitudeAAA
$235
• 30,000/60,000 Liability
• Comp / Collision
Cell Phone
Jeep Patriot Sport
Clearcover
$62
• 25,000/50,000 Liability
• Comp / Collision
Careless Driving
Jeep Patriot SportState Auto
$128
• State Minimum Liability
Driving on Sus. License
Jeep Cherokee TrailhawkState Auto
$140
• 100,000/300,000 Liability
• Comp / Collision
Failure to Obey Signal
Jeep Grand Cherokee Overland
Gainsco
$385
• State Minimum Liability
• Comp / Collision
Seat Belt
Jeep Patriot SportProgressive
$196
• 30,000/60,000 Liability
• Comp / Collision
Improper Passing
Jeep Wrangler Unlimited Sport
Clearcover
$68
• 100,000/300,000 Liability
coverageLast Updated Jul 25, 2024

How can I lower the cost of my Jeep car insurance?

Jeeps may be a lot of fun to drive, but paying high insurance rates isn’t fun. Here are some of our best tips to help you maintain the coverage you need at a lower price: 
  1. Choose a lower-risk Jeep model: While the top-of-the-line off-roading Wrangler might be what you want, the insanely high insurance premium probably isn’t. For lower insurance rates, consider choosing a Jeep with good safety ratings and a lower book value, such as the
    Jeep Renegade
    or Jeep Compass. 
  2. Pick safety features: Insurers look at vehicle safety when calculating rates, so if possible, add safety features like anti-lock brakes, airbags, and a backup camera. 
  3. Shop around
    : Insurance rates aren’t consistent between providers, so shopping around and comparing quotes can help you find the right coverage at the lowest price. 
  4. Increase your deductible: Increasing your deductible—the amount you pay out of pocket before your insurance will kick in—will lower your insurance rates.
  5. Ask about
    car insurance discounts
    : Most insurance companies offer discounts to help drivers save. Ask which discounts you’re eligible for to help lower monthly payments.
  6. Bundle your policies:
    Bundle your auto with home insurance
    for a discount. 
  7. Drive safely: Insurers reward safe drivers, so maintaining a
    clean driving record
    or taking a
    defensive driving course
    may qualify you for lower rates.
  8. Consider usage-based insurance: Some insurers offer usage-based insurance programs, which track your driving habits and adjust your monthly payments accordingly. This can be a good option if you don’t drive your Jeep often.

FAQs

Insurance for a Jeep Gladiator varies based on factors that pertain to the vehicle itself—trim level, optional features and packages, model year—but also personal factors like age, driving record, insurance and claim history, mileage, usage, and more. So, while the monthly average cost for Jeep Gladiator insurance is $0 for full coverage, your rate may be above or below this average.
There are several reasons your Jeep insurance may be high. If you have an expensive Jeep with plenty of features, you’ll pay higher insurance rates as repair and replacement costs are higher. Your driving record, location, coverage options, and age could also cause high insurance rates.
Jeep Wrangler auto insurance may not be any more expensive than other vehicles of their size, but if you have a higher trim level with more optional features, the overall cost of the vehicle and its off-road capabilities may increase insurance costs. That said, your personal factors—age, location, driving record, etc.—can also increase insurance for a Wrangler. That’s why shopping around and comparing insurance quotes is the best way to save money on Wrangler insurance. 
They can be, depending on the model and model year. Jeep Grand Cherokee's annual repair costs tend to be higher than other vehicles in its class, which can contribute to higher auto insurance. But as with any other car, insurance rates also reflect the driver’s profile, so with an average monthly rate of $170 for full coverage , your rate could be more or less. 
Jeeps are not necessarily more expensive to insure than others, but several factors play into insurance rates. For example, newer and more costly Jeep models like the Grand Wagoneer Series III, which runs for over $100k, will cost more to insure than a base-level Toyota Corolla. On the other hand, older and less expensive Jeeps can have lower insurance costs. 
On average, insurance for a Jeep Wrangler is about $0 for state minimum coverage per month, and $0 for full coverage

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

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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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.