Jerry SummaryJeep drivers pay around $285 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 $285 per month for full coverage, according to real quotes from Jerry customers. Minimum coverage is available at an average of $151 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.
|
Jeep Model
|
Average full coverage cost
|
|---|---|
| Cherokee | $282 |
| Comanche | $227 |
| Commander | $264 |
| Compass | $294 |
| Gladiator | $290 |
| Grand Cherokee | $307 |
| Grand Wagoneer | $354 |
| Liberty | $241 |
| Patriot | $268 |
| Renegade | $272 |
If you have a loan or lease on your vehicle, the lender will require
Click here to see average rates by model for minimum coverage insurance
|
Jeep Model
|
Average minimum coverage cost
|
|---|---|
| Cherokee | $148 |
| Comanche | $179 |
| Commander | $154 |
| Compass | $153 |
| Gladiator | $115 |
| Grand Cherokee | $163 |
| Grand Wagoneer | $161 |
| Liberty | $153 |
| Patriot | $155 |
| Renegade | $131 |
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.
|
State
|
Average full coverage cost
|
|---|---|
| AL | $185 |
| AR | $228 |
| AZ | $251 |
| CA | $264 |
| CO | $272 |
| CT | $357 |
| DC | $382 |
| DE | $260 |
| FL | $315 |
| GA | $366 |
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.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
Click here for the best car insurance by state
Cheapest Jeep insurance, by model
Aspire Advantageoffers the cheapest full coverage car insurance for Jeep, with an average rate of$166per month.
Below are the cheapest insurers for Jeep drivers with full coverage, according to real quotes from Jerry customers.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $166 |
| AAA | $175 |
| Mercury | $181 |
| Anchor General | $201 |
| Safeco | $211 |
Mercury offers the cheapest minimum coverage auto insurance for Jeep, with an average rate of$54 per month.
Below are the cheapest insurers for Jeeps and minimum coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $54 |
| Safeco | $104 |
| Aspire Advantage | $105 |
| ROOT | $122 |
| Embark General | $123 |
The cheapest Jeep insurer will vary from state to state, due to varying state regulations and minimum requirements.
Click for the cheapest car insurance by state.
Jeep Wrangler insurance costs
The average car insurance cost for a Jeep Wrangler is $271 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.
|
Jeep Wrangler trim
|
Average full coverage monthly cost
|
|---|---|
| Jeep Wrangler | $128 |
| Jeep Wrangler 4xe | $293 |
| Jeep Wrangler High Altitu | $451 |
| Jeep Wrangler Laredo | $68 |
| Jeep Wrangler Ri0 Grand | $76 |
| Jeep Wrangler Rubicon | $249 |
| Jeep Wrangler Rubicon 392 | $263 |
| Jeep Wrangler Rubicon 4xe | $333 |
| Jeep Wrangler S | $188 |
| Jeep Wrangler Sahara | $248 |
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.
Click for minimum coverage rates for Jeep Wranglers.
|
Jeep Wrangler trim
|
Average minimum coverage monthly cost
|
|---|---|
| Jeep Wrangler | $68 |
| Jeep Wrangler 4xe | $184 |
| Jeep Wrangler High Altitu | $68 |
| Jeep Wrangler Laredo | $46 |
| Jeep Wrangler Rubicon | $130 |
| Jeep Wrangler Rubicon 4xe | $89 |
| Jeep Wrangler S | $148 |
| Jeep Wrangler Sahara | $138 |
| Jeep Wrangler Sahara 4xe | $149 |
| Jeep Wrangler Se | $203 |
Jeep Grand Cherokee insurance costs
The average cost for full coverage car insurance on a Jeep Grand Cherokee is $307 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.
|
Jeep Grand Cherokee trim
|
Average full coverage monthly cost
|
|---|---|
| Jeep Grand Cherokee | $214 |
| Jeep Grand Cherokee 4xe | $519 |
| Jeep Grand Cherokee Altit | $320 |
| Jeep Grand Cherokee Col | $258 |
| Jeep Grand Cherokee L Alt | $352 |
| Jeep Grand Cherokee Lared | $299 |
| Jeep Grand Cherokee Laredo | $288 |
| Jeep Grand Cherokee Limit | $320 |
| Jeep Grand Cherokee Limited | $399 |
| Jeep Grand Cherokee L Lar | $323 |
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.
Click for minimum coverage rates for Jeep Grand Cherokee.
|
Jeep Grand Cherokee trim
|
Average minimum coverage monthly cost
|
|---|---|
| Jeep Grand Cherokee | $134 |
| Jeep Grand Cherokee 4xe | $211 |
| Jeep Grand Cherokee Altit | $129 |
| Jeep Grand Cherokee Col | $167 |
| Jeep Grand Cherokee L Alt | $152 |
| Jeep Grand Cherokee Lared | $167 |
| Jeep Grand Cherokee Laredo | $179 |
| Jeep Grand Cherokee Limit | $160 |
| Jeep Grand Cherokee Limited | $241 |
| Jeep Grand Cherokee L Lar | $145 |
Jeep Grand Wagoneer insurance costs
The average car insurance price for Jeep Grand Wagoneer is $354 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.
|
Jeep Grand Wagoneer trim
|
Average full coverage monthly cost
|
|---|---|
| Jeep Grand Wagoneer Serie | $354 |
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.
Click for minimum coverage rates for Jeep Grand Wagoneer.
|
Jeep Grand Wagoneer trim
|
Average minimum coverage monthly cost
|
|---|---|
| Jeep Grand Wagoneer Serie | $161 |
Jeep Compass insurance costs
The average car insurance cost for a Jeep Compass is $294 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.
|
Jeep Compass trim
|
Average full coverage monthly cost
|
|---|---|
| Jeep Compass | $282 |
| Jeep Compass 80th Edition | $295 |
| Jeep Compass Latitude | $288 |
| Jeep Compass Latitude Lux | $295 |
| Jeep Compass Limited | $305 |
| Jeep Compass North | $510 |
| Jeep Compass Sport | $300 |
| Jeep Compass Trailhawk | $269 |
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.
Click for minimum coverage rates for Jeep Compass.
|
Jeep Compass trim
|
Average minimum coverage monthly cost
|
|---|---|
| Jeep Compass | $186 |
| Jeep Compass 80th Edition | $166 |
| Jeep Compass Latitude | $150 |
| Jeep Compass Latitude Lux | $128 |
| Jeep Compass Limited | $150 |
| Jeep Compass North | $332 |
| Jeep Compass Sport | $159 |
| Jeep Compass Trailhawk | $121 |
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.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
FAQ
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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.
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.
