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Cheapest Jeep Car Insurance (Nov 2024)
Cheapest Jeep Car Insurance (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Jeep.
Find Insurance Savings
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does Jeep car insurance cost?
- How to find the cheapest Jeep Car Insurance Quotes
- Best car insurance companies for Jeep drivers
- Insurance costs for popular Jeep models
- What factors affect Jeep car insurance rates?
- How can I lower the cost of my Jeep car insurance?
- FAQs
- Methodology
- Meet Our Experts
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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.
| Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
November 21, 2024 | Jeep Compass Latitude | Safeco | $159 | Gene, 26 | • State Minimum Liability • Comp / Collision |
November 20, 2024 | Jeep Patriot Sport | AAA | $208 | Albert, 26 | • 100,000/300,000 Liability • Comp / Collision |
November 9, 2024 | Jeep Compass Sport | Gainsco | $101 | Pauline, 30 Barnesville, PA | • State Minimum Liability • Comp / Collision |
November 8, 2024 | Jeep Grand Cherokee Limited | Mercury | $66 | Birdie, 52 | • 50,000/100,000 Liability • Comp / Collision |
November 4, 2024 | Jeep Cherokee Trailhawk | Progressive | $141 | Virginia, 26 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best 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 Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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.
Insurance costs for popular Jeep models
Finding an affordable insurance policy for a Jeep can prove challenging because rates aren’t consistent across the board. Jeep insurance rates depend on several factors, including:
- Model: Newer or higher-end Jeep models like the Jeep Grand Wagoneer or the Jeep Grand Cherokee Trackhawk fetch higher insurance rates due to their higher market value and more expensive repair or replacement costs.
- Off-road capabilities: Most Jeeps are off-road capable, which translates to higher insurance costs due to an increased risk of damage while driving on rough terrain.
- High-performance models: High-performance engines might increase the excitement behind the wheel, but models like the Jeep Grand Cherokee SRT or Jeep Wrangler 392 tend to cost more to insure due to a higher risk of accidents.
- Vehicle use: Using your Jeep for commercial purposes—business or work—can increase insurance rates more than just personal use.
- Safety ratings: Jeep isn’t particularly known for having stellar safety ratings, and models with lower safety ratings—like the Jeep Wrangler—may have higher insurance costs due to a greater risk of damage in an accident.
Check out the table below to see the average cost of auto insurance for some popular Jeep models.
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Jeep Grand Cherokee | $95 | $170 |
Jeep Cherokee | $91 | $170 |
Jeep Compass | $102 | $174 |
$85 | $150 | |
Jeep Renegade | $99 | $167 |
Jeep Patriot | $93 | $161 |
Jeep Liberty | $95 | $155 |
Regardless of what Jeep you drive, you’ll need the right car insurance before you can hit the road. That means purchasing
minimum coverage insurance
that meets your state’s requirements, which is generally basic liability insurance
—bodily injury liability and property damage liability. Drivers with a new Jeep or a pricey model might want to consider a
full-coverage insurance
policy that includes collision
and comprehensive coverage
for greater financial security in the event of a crash. This covers the cost of damage to yourself, your vehicle, and other vehicles and passengers up to your policy limits.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Jeep Wrangler insurance costs
For off-road enthusiasts and adventure junkies, the Jeep Wrangler is a no-brainer. It’s one of the best vehicles for hitting the trails and feeling the wind in your hair—but the ability to stray from paved roads can also increase insurance costs thanks to a higher risk of damage on rough terrain.
Jeep Wrangler car insurance averages around $150 per month for full coverage and $85 for state minimum coverage.
Your chosen trim level will also significantly influence Jeep Wrangler insurance rates. Higher trim levels with more features fetch higher insurance rates.
The 2024 Jeep Wrangler two-door has two main trim levels—Sport and Rubicon—and the Willys Sport, Sport S, Willys, and Altitude. The four-door Wrangler Unlimited has additional trim levels, including the Sahara, High Tide, and the Rubicon 392, as well as Jeep’s hybrid, the Wrangler 4xe plug-in hybrid.
Here’s a breakdown of some of the most popular Jeep Wrangler models:
- Sport (starting MSRP: $32,990): Includes foglights, tow hooks, 17-inch steel wheels, a 7-inch touchscreen, and Apple CarPlay and Android Auto smartphone integration.
- Sport S (starting MSRP: $36,490): Adds comfort features like a leather-wrapped steering wheel, air conditioning, and power windows and door locks.
- Rubicon (starting MSRP: $45,090): Includes 17-inch wheels with all-terrain tires, heavy-duty front and rear axles with shorter 4.10 gear ratio, 4:1 low-range gearing, electronic locking front and rear differentials, electronic disconnecting front stabilizer bar, rock rails, and Off-Road Plus drive mode.
- Sahara (starting MSRP: $47,720): Adds convenience features like 18-inch wheels, full-time 4WD, an 8.4-inch touchscreen with integrated navigation, upgraded driver information display, automatic climate control, and remote keyless entry.
- Rubicon 392 (starting MSRP: $84,290): Adds a V8 engine, high-performance brakes, 2-inch suspension lift, Fox shock absorbers, three-piece hardtop, leather upholstery, heated front seats and steering wheel, Alpine premium stereo system, blind-spot warning with rear cross-traffic warning, rear parking sensors, adaptive cruise control, and forward collision mitigation.
Depending on the model you choose, you may have your pick of an engine—a 3.6-liter V6, turbocharged 2.0-liter four-cylinder, turbocharged 3.0-liter diesel V6, 6.4-liter V8 called the 392, and a plug-in hybrid powertrain called the 4xe—which can increase or decrease insurance costs. More powerful engines come with a higher risk and, therefore, higher insurance rates. You can also add other features and packages to the Wrangler, which can increase rates. Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Wrangler Sport | $95 | $151 |
Wrangler Unlimited Sport | $91 | $158 |
Wrangler Unlimited Rubicon | $120 | $138 |
Wrangler X | $74 | $120 |
Wrangler Unlimited Sahara | $91 | $161 |
In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Jeep Wrangler Unlimited S | Progressive | $139 | Linnie, 60 Castor, LA | • State Minimum Liability • Comp / Collision |
| Jeep Wrangler Sport | Safeco | $239 | Lily, 33 | • 50,000/100,000 Liability • Comp / Collision |
| Jeep Wrangler Sport | Allstate | $218 | Genevieve, 34 Boulder, CO | • 100,000/300,000 Liability • Comp / Collision |
| Jeep Wrangler Unlimited Sport | Nationwide | $167 | Daisy, 29 Corona, CA | • State Minimum Liability |
| Jeep Wrangler Sport | National General | $116 | Teresa, 26 | • No Coverage Liability |
Last Updated Nov 22, 2024Jeep Gladiator insurance costs
If you love the Wrangler but want the functionality of a pickup truck, the Jeep Gladiator is a solid choice. It’s the first open-air pickup truck meant for everyday city driving or serious off-roading adventures. But like the Wrangler, its off-roading capabilities mean higher insurance costs.
Car insurance rates for the Jeep Gladiator average $0 for full coverage and $0 for state minimum coverage per month. That said, rates will vary between trim levels and drivers.
Here’s a breakdown of the available trim levels for the 2024 Jeep Gladiator:
- Sport (starting MSRP: $40,570): 17-inch steel wheels with 32-inch tires, damped tailgate, manual windows and door locks, push-button start, cruise control, eight-speaker audio system, 7-inch touchscreen, Apple CarPlay, and Android Auto compatibility, and trailer sway damping.
- Overland (starting MSRP: $48,375): Adds 18-inch alloy wheels, automatic headlights, rear privacy glass, power door locks and windows, heated power mirror, keyless entry, a nine-speaker Alpine audio system, 8.4-inch touchscreen with navigation, dual-zone automatic climate control, and a leather-wrapped steering wheel.
- Rubicon (starting MSRP: $52,790): Adds 17-inch wheels, 4.10 rear axle ratio for increased towing and off-road capability, 33-inch all-terrain tires, fenders with increased clearance, locking front and rear differentials, electronically disconnecting front stabilizer bar, Fox shock absorbers, body-protecting rock rails and skid plates, special two-speed transfer case for better off-road gearing, and upgraded cloth upholstery.
- Mojave (starting MSRP: $52,790): Includes reinforced frame, transfer case tuned to run four-wheel drive at higher speeds, Fox internal bypass shock absorbers with hydraulic jounce bumpers, 1-inch lift for the front suspension, and Desert Rated badge (instead of Trail Rated).
Several appearance packages are available for the Sport, along with the Freedom Edition package that adds additional comfort and convenience features. Other features like LED headlights, heated steering wheel and front seats, and leather upholstery are available for an extra cost. And although these packages and features make your Jeep more desirable, they also increase insurance costs.
Check out the table below to see actual Jeep Gladiator insurance quotes from Jerry to better understand how your driver profile impacts your cost.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Jeep Gladiator Sport | Safeco | $274 | Lura, 29 | • 100,000/300,000 Liability • Comp / Collision |
| Jeep Gladiator Sport | Allstate | $103 | Bernard, 35 | • State Minimum Liability • Comp / Collision |
| Jeep Gladiator Sport | Nationwide | $65 | Myrtie, 46 Solon, OH | • 100,000/300,000 Liability • Comp / Collision |
| Jeep Gladiator Sport | National General | $239 | Sylvia, 36 Gainesville, GA | • 50,000/100,000 Liability • Comp / Collision |
| Jeep Gladiator Sport | Bristol West | $238 | Rosetta, 52 | • No Coverage Liability |
Last Updated Nov 22, 2024Jeep Grand Cherokee insurance costs
If you love Jeeps but don’t want all the off-roading capabilities, the Jeep Grand Cherokee is the perfect compromise—it’s fully enclosed, offers seating for five, and is equipped with virtually all the tech you could ever want.
Like the Wrangler, the Grand Cherokee comes in a hybrid model called the 4xe. But it has received a seriously luxurious upgrade that could increase insurance rates for owners.
On average, the Jeep Grand Cherokee costs $170 for full coverage car insurance and about $95 for state minimum coverage per month.
Here’s an overview of the cost and features of the five 2024 Jeep Grand Cherokee trim levels:
- Laredo (starting MSRP: $42,830): Includes 17-inch wheels, LED headlights, roof rails, keyless entry and ignition, dual-zone automatic climate control, digital instrument panel, 8.4-inch central touchscreen Apple CarPlay and Android Auto smartphone integration (with wireless connectivity), and a six-speaker audio system.
- Limited (starting MSRP: $49,650): Upgrades with the contents of the Laredo's Lux Tech Group package, 18-inch wheels, a 10.1-inch central touchscreen with navigation, leather upholstery, heated rear seats, and terrain-based drive mode system with five settings (4WD models).
- Trailhawk (starting MSRP: $54,235): Off-road oriented and adds Goodyear Wrangler Territory all-terrain tires, adaptive air suspension with selectable ride height settings, electronic rear limited-slip differential, electronically disconnecting stabilizer bar, hill ascent and descent control, front tow hooks, front-facing camera, ventilated front seats, leather upholstery with faux leather and faux suede accents, navigation, and a nine-speaker Alpine audio system.
- Overland (starting MSRP: $58,990): Builds off the Limited and adds 20-inch wheels, adaptive air suspension with selectable ride height settings (4WD models), hill descent control (4WD models), front tow hooks, hands-free liftgate, panoramic sunroof, ambient cabin lighting, ventilated front seats, upgraded leather upholstery, navigation system, a nine-speaker Alpine audio system, and front parking sensors with automatic braking.
- Summit (starting MSRP: $63,505): Top-level model equipped with a wood-trimmed steering wheel, front-seat massage function, four-zone automatic climate control, Active Driving Assist system, front cross-traffic alert, driver attention warning, automated parking system, a surround-view camera, and electronic limited-slip rear differential (4WD models only).
Every Jeep Grand Cherokee has optional packages that add more comfort and convenience features—but also rack up the sales price and can increase insurance costs. Here’s how much you might expect your cost to change based on the trim level of your car:
Find real quotes for real Jeep Grand Cherokee drivers in the table below from Jerry to better understand how your driver profile impacts your cost.
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Jeep Compass insurance costs
The Jeep Compass is a small crossover SUV between the smaller Renegade and the larger Cherokee in Jeep's lineup. It was recently upgraded inside and out to feature a new style, more in-car tech, and additional standard features that make driving the Compass much more fun. The 2023 Compass also has an optional turbocharged engine that's more powerful and fuel-efficient than before.
The Jeep Compass costs around $174 for full coverage car insurance and about $102 for state minimum coverage per month.
The 2024 Jeep Compass is available in five trim levels:
- Sport (starting MSRP: $29,995): Equipped with 17-inch alloy wheels, roof rails, cloth upholstery, 10.1-inch touchscreen, 7-inch information cluster display, six-speaker sound system, satellite radio, Apple CarPlay and Android Auto smartphone integration (with wireless connectivity), and adjustable load floor.
- Latitude (starting MSRP: $33,890): Adds foglights and automatic high beams, synthetic leather upholstery inserts, synthetic leather-wrapped steering wheel, and keyless ignition and entry.
- Latitude Lux (starting MSRP: $35,290): Upgrades with 18-inch wheels, remote engine start, auto-dimming rearview mirror, heated and leather-wrapped steering wheel, heated front seats, and leather upholstery.
- Limited (starting MSRP: $37,090): Adds automatic wipers, windshield wiper de-icer, ambient interior lighting, dual-zone automatic climate control, and parking sensors.
- Trailhawk (starting MSRP: $37,340): Off-road focused that adds 17-inch wheels, automatic wipers, all-terrain tires, raised suspension, underbody skid plates, tow hooks, hill descent control, unique AWD system with low range and Rock driving mode, dual-zone automatic climate control, premium cloth and leather seats with red stitching, ambient interior lighting, and parking sensors.
The Jeep Compass has several option packages that add comfort and convenience features to customize your Compass. But remember: the more upgrades you add, the higher your insurance costs will be. Here’s how much you might expect your cost to change based on the trim level of your car:
Find real quotes for real Compass drivers in the table below from Jerry to better understand how your driver profile impacts your cost.
Last Updated Nov 20, 2024Jeep Grand Wagoneer insurance costs
For drivers looking for the ultimate luxury with the Jeep nameplate, the Grand Wagoneer is it—it’s the biggest, most expensive, and best-appointed vehicle in the lineup and shares its bones with the Ram 1500.
With a lavish exterior, plenty of tech, and a powerful engine, the Grand Wagoneer is luxury both in price and features—so you can expect higher-than-average insurance rates.
Speaking of averages, the Jeep Grand Wagoneer costs around $0 for full coverage car insurance and about $0 for state minimum coverage per month.
The 2024 Grand Wagoneer comes in three trim levels:
- Series I (starting MSRP: $89,995): Equipped with 20-inch alloy wheels, adaptive air suspension, hands-free liftgate, retractable running boards, panoramic sunroof, leather upholstery, heated and ventilated front seats with massage, power-adjustable pedals, heated second-row captain's chairs, and customizable ambient cabin lighting. In-cabin technology includes a 12-inch infotainment touchscreen, integrated navigation system, Apple CarPlay and Android Auto smartphone integration (both with wireless connectivity), wireless charging pad, Wi-Fi hotspot, and 19-speaker McIntosh audio system.
- Series II (starting MSRP: $97,090): Upgrades with 22-inch wheels, upgraded leather upholstery, suede headliner, digital rearview mirror, driver attention warning, and traffic sign recognition.
- Series III (starting MSRP: $109,995): Upgrades to full-tilt luxury with all features from the Convenience and Premium Group II packages with quilted leather upholstery.
All three trim levels of the Grand Wagoneer are equipped with a robust set of driver assists such as a head-up display, forward collision mitigation, blind-spot monitor with rear cross-traffic alert, and lane-keeping assist that can help to boost safety ratings and reduce insurance. They also have plenty of optional features and packages.
Find real quotes for real Jeep Grand Wagoneer drivers in the table below from Jerry to better understand how your driver profile impacts your cost.
Last Updated Nov 22, 2024Are 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 -- to insure.
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Mini | $90 | $166 |
| Ford | $92 | $170 |
| Jeep | $94 | $165 |
| RAM | $98 | $189 |
| Mercedes-Benz | $100 | $208 |
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 Make | Average Monthly State Minimum Insurance Cost | Average 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 Make | Average Monthly State Minimum Insurance Cost | Average 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?
- 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.
Theodore (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Killeen, TX
Jeep Compass Latitude$213
per month
Mattie (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Jeep Renegade Sport$243
per month
Frederick (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Tacoma, WAJeep Renegade Sport$214
per month
Bernard (23 years old)
CoverageState Minimum
Knoxville, TNJeep Compass Latitude$228
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.
Lewis (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Jeep Patriot Sport$215
per month
Harriet (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Jeep Renegade Latitude$135
per month
Ina (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Jeep Grand Cherokee Laredo$115
per month
Sophia (72 years old)
$105
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 Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Jeep Cherokee Latitude | Mercury | $109 | Jimmy, 37 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Jeep Grand Cherokee Laredo | Clearcover | $201 | Vera, 25 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Jeep Patriot Sport | Infinity | $209 | Jon, 47 | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Jeep Cherokee Trailhawk | Progressive | $141 | Rachel, 26 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest 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.
William (32 years old)
$293
per month
Adam (31 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Roseville, CAJeep Patriot Sport$166
per month
Chris (38 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Walker, IAJeep Cherokee Latitude$91
per month
Agnes (40 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
East Berlin, PAJeep Grand Cherokee Laredo$83
per month
Travis (34 years old)
DUI
CoverageState Minimum
Irvine, CAJeep Wrangler Unlimited Rubicon 4XE$177
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 type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Jeep Cherokee Latitude | Progressive | $191 | Chris, 37 Huntsville, AR | • 25,000/50,000 Liability • Comp / Collision |
At Fault With Injury | Jeep Compass Latitude | Nationwide | $116 | Hannah, 30 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Jeep Wrangler Sport | Travelers | $165 | Roger, 33 Wilmington, NC | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Jeep Grand Cherokee Overland | Allstate | $183 | Anne, 44 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Jeep Compass Latitude | Safeco | $192 | Christian, 72 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest 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.| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Jeep Gladiator Overland | Progressive | $133 | Allen, 28 | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | Jeep Wrangler Unlimited Rubicon | Travelers | $165 | Maurice, 31 | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | Jeep Compass Trailhawk | Safeco | $140 | Belle, 31 | • State Minimum Liability • Comp / Collision |
Wrong Way/Wrong Lane | Jeep Renegade Latitude | AAA | $235 | Evan, 43 | • 30,000/60,000 Liability • Comp / Collision |
Cell Phone | Jeep Patriot Sport | Clearcover | $62 | Julian, 35 Escondido, CA | • 25,000/50,000 Liability • Comp / Collision |
Careless Driving | Jeep Patriot Sport | State Auto | $128 | Philip, 27 | • State Minimum Liability |
Driving on Sus. License | Jeep Cherokee Trailhawk | State Auto | $140 | Lucinda, 30 Green Bay, WI | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Jeep Grand Cherokee Overland | Gainsco | $385 | Jason, 25 | • State Minimum Liability • Comp / Collision |
Seat Belt | Jeep Patriot Sport | Progressive | $196 | Ora, 29 | • 30,000/60,000 Liability • Comp / Collision |
Improper Passing | Jeep Wrangler Unlimited Sport | Clearcover | $68 | Helen, 35 Carterville, MO | • 100,000/300,000 Liability |
Last Updated Nov 22, 2024How 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:
- 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 theJeep Renegadeor Jeep Compass.
- 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.
- 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.
- Increase your deductible: Increasing your deductible—the amount you pay out of pocket before your insurance will kick in—will lower your insurance rates.
- Ask aboutcar insurance discounts: Most insurance companies offer discounts to help drivers save. Ask which discounts you’re eligible for to help lower monthly payments.
- Drive safely: Insurers reward safe drivers, so maintaining aclean driving recordor taking adefensive driving coursemay qualify you for lower rates.
- 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
How much is insurance on a Jeep Gladiator?
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.
Why is my Jeep insurance so high?
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.
Are Wranglers more expensive to insure?
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.
Are Jeep Grand Cherokees more expensive to insure?
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.
Are Jeeps expensive to insure?
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.
How much is insurance on a Jeep Wrangler?
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
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.