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Car insurance for a Jeep costs $2,362 per year. However, the true cost of Jeep insurance will depend on factors like your driving record, location, and Jeep model—and your insurance provider.
Car insurance companies aren’t a one-size-fits-all deal—and that goes for finding the best rates for Jeep drivers. A 60-year-old with a clean driving record driving a 2015 Compass will require different coverage than a 40-year-old with a 2004 Wrangler Sport with a DUI, and they’re sure to receive different quotes, too. Want to know the trick to finding cheap car insurance for your Jeep?
It’s simple: just shop with Jerry—the licensed broker and car insurance comparison app. Jerry can help you find the best coverage for your specific needs. Keep reading to discover all the factors that go into your auto insurance rates, plus tips to save on your Jeep car insurance costs.
How much does Jeep car insurance cost?
The annual cost of car insurance for Jeeps is $2,362 on average. That said, the cost will vary significantly across models and trim levels, and it will depend on your personal driving history, coverage limits, and location.
Thankfully, Jeep insurance is usually pretty affordable thanks to two main factors:
Jeeps are mass-produced, making their parts easy and cheap to replace
Jeep models are generally affordable to buy, making them cheaper to insure as well.
Prices aren’t the same across the board, though. If your Jeep is older or you have tons of custom modifications, parts will be harder to work on or replace, leading to higher average rates. However, if your Jeep has extra safety features, you could score cheaper rates.
You’ll only find the best deals on Jeep coverage by comparing quotes from as many companies as possible. If that sounds tedious, you can always let Jerry handle it. When you download the app, Jerry compares rates from 55+ insurance companies to bring you free quotes for the coverage you need.
Instead of going with the first or biggest auto insurance company you come across, do yourself a favor and shop for coverage with Jerry. Check out the Jeep insurance quotes below to see what you could save with Jerry—and hear experiences from actual users!
When you’ve secured enough coverage to meet your state’s requirements, you’ll be safe legally, but maybe not on a practical level. You might be okay opting for the minimum coverage if your Jeep is pushing 20 years; otherwise, you’ll probably want to add collision and comprehensive coverage for a “full-coverage car insurance policy.”
With these two coverages, you’ll be covered for a variety of damage, including accidents, theft, severe weather, vandalism, and more. Most providers suggest having these coverages—and if you’re financing your Jeep, your lender may require you to have “full coverage.” They may also require you to have gap insurance to cover the difference between your car’s value and the amount you have left to pay on your loan.
Jeep car insurance rates by model
Your Jeep model is one of the main determining factors of your Jeep insurance. For the most part, smaller and cheaper models like the Jeep Renegade or Jeep Compass cost less to cover than the bigger or more heavy-duty models like the Jeep Gladiator or the higher trims of the Jeep Wrangler.
It’s not always so straightforward, though. Here’s a glance at the average annual premiums for a few of the top Jeep models to give you an idea of how your model could influence your insurance rate.
How much does Jeep Wrangler insurance cost?
As the brand’s most iconic and well-loved model, the Jeep Wrangler is the ultimate sport-utility vehicle. While many off-roading vehicles cost more to insure due to the higher risk of damage, Jeep Wrangler car insurance is surprisingly more affordable than average SUV insurance.
That’s not a guarantee, though—especially if you opt for one of the more beefed-up Jeep Wrangler models like the Sahara or Unlimited Rubicon. Wrangler models equipped with anti-lock brakes or anti-theft devices could earn cheaper rates, too.
You’ll find average Jeep Wrangler insurance rates in the table below, along with how they’ll vary for different coverage options and model years.
Since its reboot in 2017, the Jeep Compass has risen to the top as one of the most popular Jeep models. Filling in the gap between the chic Grand Cherokee and the quirky Renegade, the Compass is a practical, more affordable option that still sports that signature Jeep style.
Here’s a glance at the average annual premiums for different Jeep Compass drivers.
As the newer kid on the Jeep block, the Gladiator is the brand’s only pickup truck model with a quintessential Jeep-like twist. With off-road toughness and a higher tow capacity than the Wrangler, the Gladiator was made for serious adventurers. Unfortunately, its rugged capability is what makes it the most expensive Jeep model to insure on average.
Your Jeep Gladiator's insurance costs will differ based on your driving history, coverage choices, and age.
The Jeep Renegade is for drivers who need an outdoorsy vehicle in a smaller, quirkier package. Jeep’s most affordable model is also one of the cheapest models to insure. Keeping it from the top spot, however, are its mixed safety ratings. Here’s a look at what you could pay in average annual insurance premiums for a Renegade.
Thanks to the internet, you don’t have to call dozens of providers to find car insurance quotes these days, but it may require a bit of legwork to track down accurate quotes customized for your specific details. That’s where Jerry comes in.
Just download the app and sign up to unlock real-time coverage quotes from the top insurance companies among Jeep drivers—all in under a minute. Jerry’s also a licensed broker, so you can even switch to your new policy right in the app!
Best car insurance companies for your Jeep
Jeep owners can often score the best rates from providers like Progressive, State Farm, and Clearcover—but it’s not a one-size-fits-all situation.
All providers use different methods to determine your premiums, so the cheapest insurance for one Jeep owner may not be the best option for you. One company will prioritize your model’s safety features, but another insurer may have sweet discounts that you qualify for, lowering your payments.
There’s only one way to get the absolute cheapest insurance for you and your Jeep model: comparing multiple rates across as many companies as possible. Lucky for you, Jerry compares rates from more than 55 different insurance providers in less than a minute, saving you valuable time.
Take a look at the table below to see Jeep insurance quotes from various providers—and how much you could be saving with Jerry!
Your specific Jeep isn’t the only factor deciding your insurance costs—your driving record also plays a huge role.
The formula is simple: driving safely leads to cheaper insurance. However, even slight traffic violations could raise your insurance cost—and Jeep drivers with a DUI conviction will pay about $2,362 more per year in premium costs. Even a speeding ticket could add an average of $1,667 to your annual costs!
You can use the table below to see how much you could save on Jeep insurance just by having a cleaner driving record.
Another big factor in your insurance rates? Your location. The cost of coverage differs across states and cities regardless of your Jeep, so a New Yorker won’t be paying the same rates as a Jeep driver in Nebraska.
Curious how your rates compare to the average in your state? We’ve got it outlined in the table below.