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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Jeep car insurance coverage costs an average of $140 per month, which is lower than the national average for all vehicles. Some Jeep models, such as the Grand Cherokee, have high safety ratings, which help contribute to lower insurance rates.[1]
When you’re shopping for car insurance for your Jeep, it’s important to understand the different factors that influence your rates. Here’s what you need to know about Jeep insurance, including the cheapest insurers, states, and how to lower your rates.
Jeep owners pay an average of $140 per month for coverage, which is $10 less than the national average for all vehicles.
Travelers, Nationwide, and SafeAuto offer the cheapest rates for Jeep drivers.
Skipping unnecessary off-road coverage and minimizing modifications are just a couple of ways to keep your insurance costs down.
Below, we highlight the average cost to insure a Jeep for liability-only coverage and full coverage and how those rates compare to the national average for all vehicles.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Jeep | $98 | $181 | $140 |
| All makes | $108 | $198 | $150 |
On average, Jeep drivers pay around $10 per month less for basic liability coverage and $17 per month less for full coverage than other makes. While these are overall averages, the model you drive can put you above or below that average.
Comparing quotes can save you up to $867.†
One factor that insurance companies consider when setting rates is your vehicle model. Different Jeep models may have different safety features, theft rates, and repair costs that may affect what you pay.[2]
Insurance costs can also vary depending on the type of policy you have. Basic liability insurance — required by most states — provides coverage for bodily injuries and property damage if you get into an accident.
Full coverage, on the other hand, includes liability insurance plus collision and comprehensive coverage, both of which protect you if an accident with another car or object damages your vehicle.
Here’s a look at the average premiums for different Jeep models, according to our research.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Cherokee | $98 | $181 |
| Compass | $112 | $207 |
| Gladiator | $120 | $223 |
| Grand Cherokee | $111 | $206 |
| Renegade | $105 | $195 |
| Wrangler | $105 | $194 |
| All Jeep models | $98 | $181 |
The Jeep Cherokee is the cheapest model to insure, costing an average of $98 per month for liability-only coverage and $181 for full coverage. In contrast, the Gladiator is the most expensive, averaging $120 per month for basic liability and $223 for full coverage.
Next, we’ll look at some of the cheapest companies for Jeep drivers.
Regardless of average rates, you can find ways to save money on your Jeep insurance coverage. It’s crucial to get quotes from multiple insurers to compare rates, coverage offerings, discounts, and other features to find the right policy for you.
To give you a jump-start, we’ve highlighted the cheapest companies for Jeeps.
Company | Average Monthly Premium |
|---|---|
| Travelers | $79 |
| Nationwide | $88 |
| SafeAuto | $92 |
| Root | $92 |
| Clearcover | $93 |
Travelers offers the cheapest Jeep insurance rates, on average, at just $79 per month. Keep in mind that while these companies offer the lowest average rates, it doesn’t mean they’re the cheapest options for everyone.
In the next section, we’ll look at some of the best insurance companies for Jeep owners with different needs.
No single car insurance company is the best fit for every Jeep driver, so it’s smart to compare policies from multiple insurers to find the right coverage for your needs. To help you start your search, we’ve highlighted three top insurers for Jeep owners based on average rates, available discounts, and overall customer satisfaction.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers low average rates for Jeep owners and a wide range of discounts for safe driving, students, hybrid or electric vehicles, and more. You can avoid rate increases with the insurer’s decreasing deductible and total loss deductible waiver. But coverage is only available in 42 states, and the company scored below average for claims satisfaction by J.D. Power.
Low average rates for Jeeps
Several discounts available
Gap insurance and accident forgiveness
Below-average claims satisfaction[3]
Must finalize your policy over the phone
Available in only 42 states
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root focuses on your driving habits to determine your insurance rate, so safe driving habits can help lower your rates. Using its smartphone app, the insurance company tracks your speed, braking, and phone usage to develop a profile and set your rate.
You don’t even need to switch to Root to try it out. The insurer offers a test-drive to give you an idea of how much you can save.
Lower rates for safe drivers
Relatively fast claims process
Roadside assistance available
Not ideal for high-risk drivers
Few discounts available
Only available in 35 states
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm provides several discounts for students and young drivers. You can save by enrolling in an approved driver education course or participating in the Steer Clear or Drive Safe & Save telematics programs. The insurer’s good student discount can knock up to 25% off your premium if you maintain strong grades.
Many discounts available
Above-average claims satisfaction rating
Roadside assistance available
Few coverage options
Not available in Massachusetts or Rhode Island
Above-average number of customer complaints[4]
Compare personalized quotes from dozens of top companies in minutes.
Where you live can significantly affect your Jeep car insurance premium. Different areas have different rates of collisions, thefts, vandalism, and other risks. Repair costs, litigation rates, and fraud can also vary from state to state.
Check out the map below to find your state and see how it compares to the national average and other states, according to our research.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $92 |
| Arizona | $123 |
| Arkansas | $177 |
| California | $178 |
| Colorado | $144 |
| Connecticut | $281 |
| Delaware | $171 |
| Florida | $180 |
| Georgia | $183 |
| Idaho | $93 |
| Illinois | $115 |
| Indiana | $99 |
| Iowa | $84 |
| Kansas | $113 |
| Kentucky | $180 |
| Louisiana | $167 |
| Maine | $109 |
| Maryland | $254 |
| Massachusetts | $139 |
| Michigan | $216 |
| Minnesota | $139 |
| Mississippi | $139 |
| Missouri | $135 |
| Montana | $112 |
| Nebraska | $130 |
| Nevada | $220 |
| New Hampshire | $85 |
| New Jersey | $146 |
| New Mexico | $107 |
| New York | $355 |
| North Carolina | $69 |
| North Dakota | $107 |
| Ohio | $94 |
| Oklahoma | $120 |
| Oregon | $119 |
| Pennsylvania | $121 |
| Rhode Island | $106 |
| South Carolina | $202 |
| South Dakota | $89 |
| Tennessee | $104 |
| Texas | $164 |
| Utah | $134 |
| Vermont | $100 |
| Virginia | $133 |
| Washington | $103 |
| District of Columbia | $210 |
| West Virginia | $107 |
| Wisconsin | $94 |
| Wyoming | $89 |
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While cost may be your top priority, make sure you get the right coverage for your needs. Here’s a look at some of the types of coverage to consider for your Jeep:
Liability coverage: If you cause an accident, liability coverage pays for the other driver’s bodily injury and property damage. Experts often recommend $100,000 per person and $300,000 per accident for injuries and $100,000 for property damage. Your needs may vary depending on your finances and how much risk you’re willing to take on.
Collision and comprehensive coverage: If your vehicle is damaged by something such as an accident, theft, vandalism, or weather, collision and comprehensive coverage will cover it. Lenders often require you to have both coverages when you lease or finance your car.[5] Jeep owners should also consider an insurer that offers off-road coverage.
Other required coverages: Depending on your state, you may need personal injury protection, medical payments coverage, or uninsured/underinsured motorist insurance.[6] [7] Check with your state’s insurance office or your insurer for specific requirements.
Optional coverages: Extras like rental car reimbursement and accident forgiveness may be available. Compare their cost with the value they provide. If you can afford to self-insure, it might be better to skip them.
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While Jeeps typically cost less to insure than most other vehicles, you can maximize your savings with a few strategies.
Skip unnecessary off-road coverage. If you don’t take your Jeep off the road, let your insurer know. Removing specialized off-road coverage could lower your rate without sacrificing essential protection.
Bundle your policies. Combining your auto policy with homeowners, renters, or even motorcycle insurance could score you a multi-policy discount. This can be particularly worthwhile if you own other outdoor or adventure vehicles.
Choose trim and modifications wisely. Higher-end trims and aftermarket modifications like lift kits or oversized tires can raise premiums. Stick with stock or low-cost modifications if affordability is your goal.
Consider usage-based insurance. If you mainly use your Jeep for weekend drives or short commutes, a usage-based insurance program could reward your low mileage and safe habits with lower premiums.
Shop regularly, and compare quotes. Insurers price risk differently, and Jeep owners may see big price swings between companies. Compare quotes at least once a year to make sure you’re not overpaying.
Compare personalized quotes and find the best insurer for your Jeep.
Here are some common questions about Jeep car insurance that you may have as you search for a policy.
Our research shows that Jeep insurance costs around $98 per month for basic liability coverage and $181 for full coverage. Keep in mind that your rates may vary depending on which insurer you choose, where you live, your specific model, and other factors.
No. Jeeps are slightly less expensive to insure the other vehicles, according to our data. The average cost of Jeep auto insurance is $140, while the national average for all makes is $152 per month.
The cheapest Jeep to insure is the Cherokee, according to Compare.com data. Drivers pay a monthly average of $98 for liability-only coverage and $181 for full coverage.
It depends. Jeep safety ratings can vary by model. The Jeep Grand Cherokee, for instance, has a five-star safety rating from the National Highway Traffic Safety Administration. The Compass and the Wagoneer both have four-star ratings.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
