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Jeep drivers pay around $278 per month for full coverage car insurance, according to Jerry’s data analysis.

Jeep is an iconic American vehicle brand with its roots as a U.S. Army light reconnaissance vehicle during World War II. While the company has expanded into SUVs and  trucks, the Jeep Wrangler still pays homage to the original Willy-branded “Quad” design. Its vehicles have won many industry awards, including the Most Patriotic Brand for 24 consecutive years.

Getting behind the wheel of a Jeep is a no-brainer for those who love to adventure off the beaten path. While the Jeep brand is synonymous with off-roading, many Jeep owners are content to stick to the paved roads across the country. Auto insurance rates for Jeeps can vary widely, so it pays to compare quotes from the best car insurance companies to find the lowest price.

How much does Jeep car insurance cost?

The average cost of Jeep car insurance is $278 per month for full coverage, according to real quotes from Jerry customers. Minimum coverage is available at an average of $145 per month, but this coverage won’t pay to replace your vehicle if there’s an accident.

Your premium depends on which model you buy and personal details, like your age, driving history and where you live.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Factors that affect Jeep car insurance costs

When pricing your car insurance policy, insurers consider other factors beyond your personal details. Insurance costs also depend on the vehicle’s value, safety features and the cost to repair or replace parts. The more it costs to repair or replace your Jeep, and likelier it is to be in a claim, the more you’ll pay for insurance.

Your Jeep model has a significant impact on your insurance rate. Model-specific factors that help to determine your rate include:

• Safety features. Vehicles with advanced safety features, like active driving assist, may reduce insurance costs.
• Vehicle value. Expensive cars, like the Jeep Grand Wagoneer, typically have far higher insurance costs than less expensive vehicles, like the Jeep Wrangler.
• Availability of replacement parts. Limited edition vehicles and discontinued cars like the Jeep Renegade or Jeep Patriot tend to have expensive or difficult-to-acquire replacement parts, resulting in increased insurance costs.
• Cost of repairs. If you drive a car with high repair costs, like a hybrid or 4×4 vehicle, you can expect to pay steeper insurance rates.

About Jeep’s own insurance

Jeep does not offer its own insurance, but it partners with Geico to provide quotes for customers. Geico auto insurance is available in all 50 states, but it may not be the cheapest auto insurance for your situation. Compare car insurance quotes from multiple providers to ensure you’re getting the best deal on Jeep auto insurance.

Average cost of Jeep car insurance, by state

The cost of Jeep auto insurance varies from one state to another due to state-level regulations and minimum coverage requirements. Insurers also take local crime rates, driving patterns, repair costs for your Jeep model and other factors into their pricing. For this reason, the insurer with the cheapest policy can depend on where you live.

To get an estimate of what it may cost to insure your Jeep, find your state in the chart below.

Best companies for Jeep car insurance

Each year, Jerry’s editorial staff evaluates the best car insurance companies. Our ratings are based on industry factors such as combined subsidiary complaints and relative ability to pay out claims.

Here are our top insurers for 2025.

Cheapest Jeep insurance, by model

Aspire Advantageoffers the cheapest full coverage car insurance for Jeep, with an average rate of$171per month.

Below are the cheapest insurers for Jeep drivers with full coverage, according to real quotes from Jerry customers.

Mercury offers the cheapest minimum coverage auto insurance for Jeep, with an average rate of$58 per month.

Below are the cheapest insurers for Jeeps and minimum coverage, according to Jerry’s data analysis.

The cheapest Jeep insurer will vary from state to state, due to varying state regulations and minimum requirements.

Jeep Wrangler insurance costs

The average car insurance cost for a Jeep Wrangler is $258 per month, according to Jerry’s data analysis of full coverage quotes. Your premium will depend on model year and trim level.

Wranglers come in a variety of configurations to match your style, including both hard-top and cloth roofs. While drivers may enjoy the open-air freedom of a removable roof, your vehicle may be more accessible to thieves without a roof or with a soft-top, which could increase premiums.

Here are Jeep Wrangler auto insurance rates from Jerry customers with full coverage policies.

The 2025 MSRP for a Jeep Wrangler starts at $32,690, but the price increases based on trim level and options. Jeep offers several limited-edition trims and a hybrid version with a 2025 starting MSRP of $50,695. Repair costs may be higher for limited-edition models and hybrids, which can affect your car insurance rates.

Jeep Grand Cherokee insurance costs

The average cost for full coverage car insurance on a Jeep Grand Cherokee is $301 per month, according to real quotes from Jerry customers.

The Jeep Grand Cherokee is one of the 25 best-selling cars, trucks and SUVs midway through 2025, according to Kelley Blue Book. This mid-size SUV has a better than average claims history according to the Insurance Institute for Highway Safety (IIHS), which makes it one of IIHS’ top safety picks. Safety features like active driving assist, night vision camera and drowsy driver detection may reduce insurance costs.

Here are Jeep Grand Cherokee auto insurance rates from Jerry customers with full coverage policies.

Starting MSRP for a 2025 Grand Cherokee is $36,495, but additional options like third-row seating, premium trim levels and limited-edition models are available at a higher price. A hybrid model known as a 2025 Grand Cherokee 4xe starts at $60,490 MSRP.

Jeep Grand Wagoneer insurance costs

The average car insurance price for Jeep Grand Wagoneer is $504 per month for full coverage, according to real quotes from Jerry customers.

Safety is important when choosing a vehicle, and the Jeep Grand Wagoneer was chosen as a 2024 Top Safety Pick by the Insurance Institute for Highway Safety (IIHS). While active driving assist was optional in 2024, it comes standard on 2025 models. Other safety features include curve speed control and assisted lane change.

Here are Jeep Grand Wagoneer auto insurance rates from Jerry customers with full coverage policies.

As the largest vehicle in the Jeep family, the Grand Wagoneer also sports the highest price tag. Starting MSRP on 2025 models is $59,945 and goes up for limited-edition trim, hybrid engines or when selecting additional options. The Grand Wagoneer also boasts a towing capacity of up to 10,000 pounds, which is best-in-class.

Jeep Compass insurance costs

The average car insurance cost for a Jeep Compass is $286 per month for full coverage, according to real quotes from Jerry customers.

J.D. Power gives the Compass high marks for its quality, reliability and driving experience. It comes standard with seven airbags and its Jeep Active Drive 4×4 System offers confident control in snowy conditions. These safety features can lead to lower insurance rates.

Here are Jeep Compass auto insurance rates from Jerry customers with full coverage policies.

As the lowest-price Jeep, the 2025 Compass has a starting MSRP of $26,900. There are four trim levels to choose from, but all have standard four-wheel-drive. Although it is the only Jeep under $30,000, it is still packed with features you’ll enjoy whether you’re driving off-road or on your daily commute. It includes an 8.4” touchscreen with Apple CarPlay and Android Auto connectivity, 8-speed automatic transmission and seating capacity for five.

Auto insurance shopping tips for Jeep

You can lower the cost of your Jeep car insurance by following these tips.

• Compare rates: Get quotes from multiple insurers to find the most affordable rates. Be sure the rates are for comparable coverage types and limits.
• Ask about discounts: Jeeps have many advanced safety features that could lower your premium. Discuss available car insurance discounts to find out if you’re missing out on any savings.
• Bundle your insurance: Bundling your auto insurance with a homeowners, renters or other policy with the same company may save money on your premium.
• Raise your deductible: The deductible is the amount of money you owe before your insurer will pay on a claim. While raising your deductible can lower your bill, it can increase your out-of-pocket costs when filing a claim.
• Participate in a telematics program: Telematics programs use plug-in devices or mobile apps to price your policy based on your driving habits. Driving fewer miles or following safe driving habits may qualify you for lower rates. Your premium may increase if you have poor driving behaviors.
• Drop comprehensive and collision coverage: These coverage types only pay up to the current market value of your car, minus your deductible. If you drive an older Jeep model with a very low value, it may make sense to drop comprehensive or collision coverage.

When shopping for car insurance, your quote is only as good as the information you provide. While insurers can provide rates using little information, when you provide detailed answers upfront, you’ll receive the most accurate quote.

If you’re leasing or financing a Jeep, most lenders require full coverage until your loan is paid off. Jeep drivers without a loan may consider dropping down to state-mandated coverage levels to lower insurance costs. However, if you’re in an at-fault accident and have minimum coverage, it won’t cover repairs or replacement of your vehicle.

MEET OUR EXPERTS

Lee Huffman

Lee Huffman is personal finance expert who has been writing online since 2012. After spending 18 years experience in banking, insurance and investing, Lee has a knack for translating complex financial topics into everyday language so readers can make informed decisions.
His bylines appear in more than 1,300 articles for numerous online publications, like TIME, Fortune, LendingTree, NerdWallet, Forbes, USA Today, Money, Slickdeals, Business Insider and Investopedia. Lee has an MBA in eBusiness, and he earned his Bachelors in Business Management at Pepperdine University.

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Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

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