Jeep Commander Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Jeep Commander than the average SUV.
• Full coverage car insurance for a Commander tends to be around $145 a month, on average, while liability only insurance generally runs about $83.
• AIG is the lowest auto insurance carrier for a Commander.

Commander Overview

The Jeep Commander is a mid-level SUV with broad appeal, with 2010 models coming in with a base MSRP of $31,575. There are two different trim levels currently offered, so there's a style for every driver.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Jeep Commander car insurance rates are around $119 per month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Jeep Commander?

In the table above, you'll see that insurance prices for a Jeep Commander are cheaper than average. Commander owners can expect to pay about $145 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 per month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other models, the Commander is slightly less expensive, with premiums more than 5% lower than other vehicles in Jeep's lineup. But Commander coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance rates coming in at $3 higher than other SUVs and full coverage insurance prices at $6 cheaper.

Compared to all vehicles of any body type, the Commander is slightly more expensive for liability only insurance, but full coverage premiums are cheaper.

Who has the Cheapest Car Insurance for a Jeep Commander?

Looking for a car insurance policy for your Jeep Commander? You're likely wondering which company offers the most affordable rates. While there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from Oasis. With car insurance as little as just $33 monthly, Hugo is the next most affordable auto insurance company.

Horace Mann, ACG, and American Family finish off the rest of the top 5. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Jeep Commander.

Car insurance carriers take a range of different variables into consideration when offering you premiums. There's only one way to make sure you find the lowest possible rates, and that's by getting quotes from a whole range of insurance companies.

What Factors Affect Car Insurance Rates for a Jeep Commander?

There are a wide array of things that auto insurance carriers look at to determine how much to charge you -- and every carrier weighs different factors more heavily than others, so there's not just one company that's the cheapest for each driver.

The sections below show quite a few factors car insurance companies use to calculate rates:

Vehicle Age

The Jeep Commander has been around for a while, so vehicle age will likely play a role in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

A new Jeep Commander model hasn't been added to the market for over 5 years, so the Commander won't really fit this trend. However, as you can see in the table above, the most expensive Jeep Commanders to insure are those that are 11 to 14 years old, while the cheapest models are Commanders that are 4 to 5 years old, on average.

Your Age

How old you are plays a significant role in how much car insurance carriers will charge. As you can see in the table above, drivers who have more experience pay less than young Commander drivers. Jeep Commander drivers under 18 actually pay $8 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Commander drivers.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, women tend to pay less for insurance than men. The Jeep Commander is no different, and women pay around 6% less than men a month for auto insurance.

Where You Live

It may seem like common sense that things such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live can be just as important. Since insurance is regulated at the state level, premiums shift quite a bit depending on where you live.

For example, the average Jeep Commander owner from New York pays about $173 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than 50% of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

Jeep Commander Car Insurance Discounts

No matter your age, your home state, or your car, it's always important to take advantage of as many auto insurance discounts as possible.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than by monthly payments

While discounts are always a good way to save money on your car insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Although you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the factors you can use to your favor in order to save on insurance:

Your Driving Record

It's no secret that car insurance companies offer the most affordable rates to drivers with clean records. And you probably wouldn't be surprised that if you get into an accident or get a ticket for speeding, auto insurance prices will go up. But exactly how much can it cost you for these infractions?

As you can tell, accidents will usually cost Commander drivers more than tickets, but both will result in above average rates. Jeep Commander drivers with one accident on their record pay an average of $94 a month (up $11 from the $83/mo. overall average), while drivers with a single ticket will pay about $89 monthly. The rates only increase the more accidents you have or tickets you get.

How Much You Drive

Another variable that plays a big role in your car insurance premiums is how much you drive annually. Drivers who are on the roads less often are more likely to go accident-free, so they'll usually be offered less expensive prices. In the table above, you can see that Jeep Commander owners who drive 10,000 miles or more pay $86 for insurance, while those who drive fewer than 2,500 miles per year pay about $83 a month.

If you're one of those drivers who don't put very many miles on your Jeep Commander each year, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Jeep Commanders Compare to Other Vehicles?

If you're considering making a Jeep Commander your next purchase, you might be wondering how it compares to other vehicles. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Jeep Commander compares:

As you can see, the Jeep Commander is pretty much in line with the average vehicle price here in the U.S. The Commander comes in at $31,575, close to the national average vehicle MSRP of $29,720. And since it's been awhile since a new Commander model has been on the market, used prices will be even lower.

But while the purchase price runs about average, auto insurance rates are slightly lower when compared to other vehicles on the market. Full coverage insurance for a Jeep Commander is around $20 a month cheaper than average, while liability only coverage is $2 cheaper monthly.

When it comes to usage, Jeep Commander drivers are pretty close to the national average in annual miles driven, with 11,296 miles each year compared to 11,617 for all vehicles.

Jeep Commander Car Insurance Costs by Model Year

We've gone over many of the variables that can have an impact on what you'll pay for insurance. If you're in thinking about buying a new car, truck, or SUV and the Commander is on your wishlist, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your options.

2010 Jeep Commander Car Insurance

You can expect full coverage for a 2010 Commander to run about $149 per month, while liability only coverage will average around $79 a month.

Clearcover offered the most affordable policy we found, with rates as little as $22 monthly.

Interested in what your insurance rate could look like? Enter your ZIP code below to get a variety of personalized quotes for free.

2009 Jeep Commander Car Insurance

On average, drivers who own a 2009 Jeep Commander can expect to pay $81 to $149 per month for liability only and full coverage auto insurance, respectively.

With premiums as cheap as just $22 a month, Workmens offered the cheapest policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2009 Jeep Commander, you can get free quotes in minutes by just entering your ZIP code below.

2008 Jeep Commander Car Insurance

The average cost to insure a 2008 Commander with liability only coverage is $86 per month, while full coverage runs about $143 monthly.

Looking for the lowest policy? SafeAuto offered liability only coverage for sometimes as cheap as $27 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2007 Jeep Commander Car Insurance

2007 Jeep Commander drivers can expect to pay an average of $84 a month for liability or $145 for full coverage.

With rates as cheap as $23 monthly, Elephant offered the most affordable policy we found for the 2007 Jeep Commander.

If you want to find the best premiums for car insurance for a 2007 Jeep Commander, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2006 Jeep Commander Car Insurance

It costs around $82 per month for liability or $144 for a full coverage policy for the 2006 Commander.

MetLife has rates as low as just $17 monthly for the 2006 Jeep Commander.

While these are good estimates of what the average driver might pay to insure a 2006 Jeep Commander, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

Jeep Commander Insurance FAQs

Is a Jeep Commander expensive to insure?

Liability insurance runs an average of $83 a month, while full coverage will cost you around $145. When compared to the national average of all SUVs, premiums come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Jeep Commander?

There's only one way to be sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from lots of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Jeep Commander affect my insurance rates?

You might have heard the old adage that red cars cost more to insure, but that's actually a myth. Although there are many things auto insurance carriers use when they calculate how much your policy will be, the color of your car is not factored into that decision.

Do I need to have insurance before I buy a Jeep Commander?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Jeep Commander off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your car insurance carrier beforehand.

What car insurance discounts can I get for my Jeep Commander?

There are multiple discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Commander has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to know is to get in touch with your insurance company and ask about their discounts, since they change quite a bit from carrier to carrier.