Jeep has been around for quite some time – since 1941 to be exact. Willys-Overland began creating Jeep vehicles at the request of the government, but by 1963, it was owned by an entirely different company, and came to be called the Kaiser Jeep International Corporation. Kaiser sold to the American Motors Corporation in 1970, and the Jeep brand survived. After several additional changes, Fiat Chrysler Automobiles finally took over the production of Jeep beginning in 2009, and they continue to produce vehicles today.
Jeep prides itself on creating technologically advanced vehicles, geared toward those who have a craving for adventure. If you’re a Jeep owner, it’s important to seek quality Jeep auto insurance. It’s required by law in most states and covers your vehicle in the case of an accident or emergency. Below, you can find information on average Jeep car insurance rates
When you’re ready for personalized quotes to ensure you’re getting the best rate possible, be sure to use our free and easy insurance comparison service. Just enter your zip code below to get started.
Average Jeep Car Insurance Cost
Jeep car insurance rates can vary depending on the model you drive and personal factors such as your driving record and age, but on average, it costs $108 per month This isn’t much different from the average monthly insurance premium across all vehicles, which sits at $106.
Jeep Car Insurance Rates by Model
Just as your personal situation, like your town of residence and driving record, will affect your Jeep insurance rates, your Jeep model will also influence what you pay. Newer vehicles with more advanced technology are likely to cost more to replace and repair making them more expensive to insure. The same goes for vehicles that hold value better than others.
Similarly, vehicles with higher trim levels will come with more costly insurance rates. For example, there are various trim levels of the Grand Cherokee, ranging from the Grand Cherokee Laredo, which starts at $35,460, to the Grand Cherokee SRT, which comes with a sticker price of over $70,000. The latter will understandably be more costly to insure.
Below are the average prices you will pay per month to insure various Jeep model vehicles. Remember to just use these rates as general guidelines, as they do not take into consideration your personal factors or the specific trim level of your vehicle.
The Jeep Grand Cherokee is the largest SUV made by Jeep and is well loved because it’s not only great for families but also has amazing off-road capabilities. Drivers of the Grand Cherokee also enjoy its 7,400 pound towing capacity and amazing acceleration.
The Grand Cherokee costs an average of $100 a month to insure.
The Jeep Liberty is an SUV that was in production until 2012. While it has been discontinued for a decade, it’s still a beloved vehicle. The Jeep Liberty is known for its cabin controls and acceleration quality. If you drive one, you can expect to pay $91 per month in car insurance.
The Jeep Cherokee has been a hit since it hit the roads in 1992 – not even a production hiatus from 2002 to 2013 could keep drivers from loving this model. When driving the Cherokee you’ll enjoy this 5-seat compact SUV with standard 9 speed automatic transmission. The average monthly car insurance premium for a Jeep Cherokee is $117.
The Jeep Compass looks like a smaller Grand Cherokee. This compact SUV is fairly roomy given the size with a nice interior. It’s also one of the more expensive Jeep models to insure, at $125 per month.
The Jeep Patriot was in production for a decade from 2007-2017. The Patriot is a 5 seater compact crossover available with a manual or automatic transmission. While you won’t find a new model, there are plenty of used Jeep Patriots in the used car market. It costs an average of $116 per month to insure one.
The Jeep Wrangler has gone through several production cycles starting in 1992. The latest generation kicked off in 2018 and has remained until today. If you’re driving the latest generation, you’ll experience a 5-passenger convertible SUV with removable top, doors and windshield. There are 2 and 4 door models available. You’ll pay an average of $110/mo to insure the Jeep Wrangler.
The Jeep Renegade is a newer model which entered the Jeep lineup in 2015. This is a subcompact SUV modeled after the Fiat 500L. It is on the pricier side to insure, at an average of $141 per month.
The Jeep Commander was a midsize SUV in production from 2006-2010. It was a sizable vehicle with seating for up to 7 and three 4WD systems. For those still on the road, the average monthly insurance premium comes in at $94.
The figures noted above are just averages, and your individual rates will vary. Visit Compare.com to get a free quote for Jeep auto insurance or enter your zip code below and we’ll help you get started in a matter of minutes.
Jeep Car Insurance Rates by Insurance Company
How much you pay to insure your Jeep will also depend on your insurance company because different insurance companies offer widely varying rates. Below are the most affordable premiums you can expect to pay to insure your Jeep.
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The auto insurance companies above offer low-than-average rates for Jeep car insurance, but they may not be for everyone. For example, Commonwealth Casualty, which offers the lowest average premium, is only available in the state of Arizona, so drivers outside of this area will have to look elsewhere for cheap Jeep auto insurance.
A similar drawback is seen with Suncoast, which currently has independent insurance providers in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington. Its coverage area may be wider when compared to Commonwealth Casualty, but coverage is still limited to those in the Western United States.
Dairyland insurance has a wider coverage area than the two companies noted above, as it is available in 22 states. This company also specializes in high-risk drivers and is a suitable option for affordable Jeep car insurance if you have a less-than optimal driving record.
The companies above may offer cheap Jeep auto insurance, but sometimes, going with the cheapest insurance plan isn’t the best option. There are other factors to consider, such as consumer ratings, ease of contacting your agent, and the quality of customer service.
The best way to find a good combination of quality coverage and affordable rates is to compare rates and coverage options of different insurance companies. We help drivers save an average of $720/year with our easy to use auto insurance comparison tool. Enter your zip code below to get started.
Jeep Features That Impact Insurance Costs
When insurance companies determine rates for covering a Jeep automobile, they consider factors like safety ratings and the cost to repair the vehicle in the case of an accident. Jeeps tend to come with luxurious interiors, and they are high-performance cars. This can make them expensive to replace, and expensive to insure.
On the other hand, safety factors can reduce the cost of insuring a Jeep. In crash tests, Jeeps tend to earn high safety ratings. Jeep vehicles often come equipped with technology that can reduce the risk of an accident and thereby lower your insurance rates.
For instance, many Jeep models are equipped with backup cameras, and buyers have the option to add packages that alert drivers when an obstruction is about to enter their path. Some packages even come with automatic braking, so if you don’t hit the brakes in time to avoid a collision, your Jeep will do it for you!
The age of the typical Jeep driver can also influence insurance rates. Jeeps are often attractive to younger drivers, which appear riskier to insurance companies. Older, more experienced drivers will likely pay lower-than-average rates to insure their Jeeps.
Finally, the trim level impacts the cost of Jeep auto insurance. Entry-level models that come with just basic packages will be less expensive to insure. Models with more luxurious features and higher-power engines will come with higher insurance rates, because they’re more expensive to replace or repair in the case of an accident.
Jeep Car Insurance Coverage Options
Jeep insurance rates will vary depending on the model you drive, but they can also change based on the type of coverage you select. If you’re looking for the most economical Jeep insurance policy, you might consider minimum liability coverage. This will meet the legal requirements for auto insurance in most states and cover damages you cause to another person’s property, or injuries you cause to someone else in an accident. Given that Jeep vehicles may be expensive to replace, minimum liability coverage likely isn’t the best option.
Full coverage provides you with collision insurance as well as comprehensive coverage. Collision insurance will cover damages to your vehicle in the case of an accident, whereas comprehensive coverage protects you if your Jeep is stolen or damaged by a natural incident like a hail storm.
Jeep Auto Insurance Discounts
If you want to save money on Jeep car insurance, there are discounts available to reduce your costs. For example, being a safe driver and avoiding accidents keeps your rates low. A driver with a clean record will pay lower rates when compared to someone who has a recent accident or DUI on their record.
Your insurance rates for a Jeep vehicle can also be reduced with some of the following auto insurance discounts:
- Loyalty Discount: Your auto insurance company may lower your rates if you stick with the same company over the long-term.
- Good Student Discount: Car insurance providers will often lower rates for those who maintain a GPA of 3.0 or higher.
- Multi-Policy Discount: If you bundle your home and auto insurance with the same company, you’ll likely pay less for Jeep insurance coverage.
- Safe Driving Discount: Some companies will offer lower car insurance rates for drivers who install a device in their car to track driving habits. Safe habits, such as accelerating and braking slowly, will save you money.
- Payment Discounts: You can also lower Jeep auto insurance costs by agreeing to certain payment settings, such as setting up automatic billing through your bank account or agreeing to receive paperless statements.
Your individual Jeep auto insurance discounts will vary based upon your insurance provider and your type of policy. It may be beneficial to call your auto insurance company directly to ask about available discounts, as they do not always advertise them or automatically apply them to your policy.
FAQs About Jeep Car Insurance
Are Jeep cars more expensive to insure?
Jeep makes technologically advanced vehicles, and many of them offer high-performing engines and luxurious interiors. This can drive up insurance costs, but they come with safety features that can reduce insurance premiums. In the end, the average Jeep doesn’t cost much more to insure than the typical car. However, insurance costs can vary widely. The average Jeep may come with reasonable insurance costs, but if you choose a higher trim level Jeep with advanced features, your insurance costs may be significantly higher than the average.
Does Jeep have their own car insurance?
Some automobile companies have their own insurance programs, but Jeep does not. Fortunately, plenty of insurance companies are experienced in covering Jeep vehicles.
How much does Jeep insurance cost?
The average monthly premium for Jeep car insurance is $108, which is comparable to the average across all vehicles. Keep in mind that this figure is just an average, and your individual costs will vary, based upon where you live and what your driving record looks like. Some Jeep models will also be significantly more expensive to insure when compared to the average price.
The figures in this article are just averages. For a free Jeep car insurance quote personalized to your situation, visit Compare.com.