On average, Jeep drivers pay $1,658 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Patriot Sport costs $1,672 less more per year to insure than a Grand Cherokee Laredo.
Here’s what drivers pay when they switch with Jerry
Here are some real quotes from Jerry customers who saved money when insuring their Jeep.
Insurance companies take factors like your personal profile, driving record, and location into consideration when determining their premiums.
Each company weighs these factors differently, which means you could end up with significantly different quotes for the same coverage.
The cheapest insurer for Jeeps is Commonwealth Insurance, with an annual premium of $984.
Other popular carriers for Jeep include the following:
For safe drivers who are good with technology, Nationwide is a good choice. They offer a robust online platform, mobile app, and website, earning them a solid rating of 4.6/5 from Jerry.
Kemper is often the top choice for high-risk drivers who are unable to find insurance with other companies. It files SR22 forms for drivers who need to provide proof of coverage to the state, and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco typically offers affordable rates for younger drivers. They also have a claims-free cashback program, which offers a small refund for every six months that you remain claims-free. Thanks to these perks, Jerry rates Safeco 4.5/5.
Allstate is one of the most well-known carriers and, as such, has a large network of agents and repair shops. It offers a range of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers is known for its valuable add-ons for drivers, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also offers a range of driver discounts, including being a safe driver and a good student. Jerry gives Travelers a 4.7/5 rating.
State Auto is a great pick for drivers who are safe, experienced, and looking to get the most bang for their buck. It offers lots of different coverage options and allows drivers to file claims online for the utmost convenience. State Auto gets a 4.1/5 rating from Jerry.
National General is a great option for high-risk drivers. In many of the states where it does business, National General has a claims satisfaction guarantee whereby they’ll waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland is another good choice for high-risk drivers. It offers flexible payment plans, plus 24/7 live claims support in almost 40 states. Dairyland gets a rating of 4.6/5 from Jerry.
Tech-savvy drivers can’t go wrong with Clearcover. With its award-winning app, you can file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.
How to compare prices to find the most affordable coverage
To calculate premiums, each insurer uses its own formula. Translation: even though you’re applying for the same coverage from each company, you could end up with quotes that widely vary.
If you’re looking for the best policy and premium, you’ll need to compare rates from multiple insurance companies.
Of course, the best policy isn’t always the cheapest one. Cheap can be good—but not when it comes at the cost of coverage that you actually need. Opting to forego coverage to lower your premium could leave you in a tricky financial situation in the event of an accident.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, use a comparison shopping app like Jerry. It’s the easiest and most effective way to find a car insurance policy that is customized for you.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. So why do all that extra work when Jerry can do it better?
Avg. Annual Premium
Key Takeaway Using Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.
Cost of insuring a Jeep
Cost of insuring with minimum coverage and full coverage
The average annual insurance premium for a Jeep is $1,539 per year for minimum car insurance and $2,234 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
Of course, your insurance premium for your Jeep will vary depending on the type of coverage you need. Every state has minimum coverage requirements that you must adhere to.
Here are the basic types of insurance that your state may require:
Pays for your own medical expenses after a car accident
Remember, these are mandatory minimum requirements, not recommendations. It’s usually a good idea to purchase additional insurance for your Jeep if you can afford it.
Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be responsible for the costs out of pocket.
If you’re leasing or financing your Jeep, the company may require you to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Insurers consider age and driving record when setting their premiums, as these factors tell them a lot about your driving experience and how likely it is that you will get into an accident.
Older drivers who have a lot of experience typically pay less for insurance.
Insurers also consider traffic violations. If you have a minor speeding ticket or failure to stop on your record, you may see a small hike in your insurance rate. But serious offenses like driving under the influence (DUI) and careless driving will significantly impact your premium and can stay on your record for a decade or more.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Jeeps by age group:
Key Takeaway Insurance costs for your Jeep will vary depending on factors like your driving record, age, and insurance coverage needs.
Cost of insuring popular models
Jeep has a variety of different models, and your insurance rate will vary depending on which one you have. This is mainly due to differences in repair and replacement costs.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
No matter what model you drive, Jerry can find you big savings for the same coverage that you already have.
Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork, phone, calls, and even cancels your old policy on your behalf—oh, and it’s free!
The average Jerry user saves $879 a year on car insurance!
If you want to learn more about car insurance costs for various popular makes, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
Cost of insuring your Jeep by year
Most and least expensive years of car
Thanks to depreciation, your car insurance rates will be less if you own an older Jeep than if you purchase a brand new one.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Jeeps are 1992 and 1991.
The most expensive years for Jeeps are 2017 and 2009.
Key Takeaway Since older Jeeps typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
Cost of insuring a Jeep in your city
Your location is a key factor in your insurance rate. Different areas have different accident rates, crime rates, and incidences of natural disasters. This means that insurance premiums for Jeeps can vary from city to city, even within the same state.
It’s all about the amount of risk your insurance company has to take on by insuring your vehicle. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of Jeep drivers in cities including San Antonio (TX), Phoenix (AZ), Houston (TX), Atlanta (GA) and Fort Worth (TX).
The cheapest car insurance for Jeeps for Jerry users is in Stratford (CT) and Spring Hill (TN).
The most expensive car insurance for Jeeps for Jerry users is in Ozone Park (NY) and Amityville (NY).