Over the past year, Jerry has helped 38,990 Jeep drivers find smarter coverage and real savings. By analyzing real Jeep insurance policies, we know what owners are actually paying, and what you can expect for each level of protection.
Competitive annual prices for Jeep drivers are currently around:
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$415 for basic coverage.
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$411 for standard coverage.
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$338 for premium coverage.
These numbers serve as good reference points, but your actual premium depends on factors like your Jeep model, driving history and where you live.
On average, Jeep drivers pay between $2,192 and $4,545 annually for full coverage, with an average premium around $3,857. That’s slightly lower than the national average of $4,056, due to higher repair costs for off-road-ready vehicles and advanced 4×4 systems.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Jeep insurance with Jerry.
How much does Jeep insurance cost?
Jeep insurance rates can vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same ZIP code, two Jeep drivers can pay very different premiums. Jerry compares rates from leading insurers to help you find protection that fits your lifestyle and how you drive, on or off the road.
What’s the best insurance for a Jeep?
Owning a Jeep means driving with freedom, capability and confidence. Protecting that freedom means choosing coverage beyond the state minimum.
If your Jeep is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.
Jerry recommends that Jeep drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for drivers.
No matter your insurer or budget, there are several options that can help protect your Jeep. Here are some of the most common, what they include and why Jeep owners choose them.
Higher liability limits
Jeeps are built for adventure, but at-fault accidents can be costly. About half (49%) of Jerry Jeep drivers choose higher-than-minimum coverage for better protection.
Full coverage
About 48% of Jerry Jeep drivers carry full coverage, including comprehensive and collision protection, for peace of mind wherever they roam.
OEM parts coverage
Keeps your Jeep performing like new after a claim with factory-approved parts and specialized technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Jeep with a new one if it’s totaled early on. With Wranglers and Compasses ranking below-average in IIHS property damage losses, this coverage can be especially valuable.
Roadside assistance
Covers towing, jump-starts, and lockouts. New Jeeps include roadside assistance for up to five years, though many drivers extend it for long trips and trail coverage.
Rental reimbursement
Covers the cost of a rental vehicle while your Jeep is being repaired. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Jeep is totaled. About 39% of all drivers add gap coverage when financing a vehicle.
Accident forgiveness
Keeps your rates steady after your first at-fault accident. Without it, Jeep drivers see average increases over 29% and sometimes more.
See coverage options for your Jeep.
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Coverage definitions
4 smart ways Jeep drivers can shop and lower insurance costs
Finding the right Jeep insurance means balancing protection, performance and price. Jerry’s experts work with Jeep drivers every day to help keep premiums low without sacrificing coverage that can go the distance.
Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 34% to 57% among Jeep drivers |
| Stack discounts | 26% to 49% among Jeep drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 31% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before you renew
Not every insurer gets Jeep pricing right. Some overestimate repair costs, while others fail to account for Jeep’s durability and lower claim frequency. That can lead to major price gaps for identical coverage.
Here’s where Jeep drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Jeep drivers who switched | Average Jerry savings |
|---|---|---|
| ROOT | 18% | 21% |
| Progressive | 16% | 5% |
| Trexis | 10% | 17% |
| Assurance America | 8% | 27% |
| The General | 8% | 8% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Jeep drivers can save nearly a third by comparing quotes. Jerry shows live prices in real time so you can find the best deal before you buy.
Tip 2: Stack discounts for more savings
Many Jeep owners qualify for multiple discounts like safe-driver programs, bundling home and auto, or low-mileage rates. However, insurers don’t always apply them automatically.
Jerry finds and stacks every available discount to help make sure you don’t overpay.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust coverage to fit your lifestyle
From daily commuting to weekend trails, no two Jeep owners drive the same. Most will need more than state minimum coverage. Some drivers start with full coverage and higher limits on new models, then adjust deductibles or extras as their vehicle ages or usage changes.
Minimum
$77 – $174/mo
Offers the legal minimum limits, which vary by state.
Full
$145 – $302/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$184 – $384/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$205 – $429/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Jeep drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for dependable protection wherever your Jeep takes you.
Tip 4: Safe driving habits help lower Jeep insurance costs
Safe driving pays off. Avoiding tickets and accidents can save Jeep drivers an average of 31% on insurance. Even one violation can raise rates, and a serious offense like a DUI means paying even more. Staying alert behind the wheel helps keep premiums low.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Jeep drivers, real savings
Want to see what Jerry can do for Jeep owners? Here are real drivers, their vehicles and the savings they found by comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Jeep insurance rates can vary, but overpaying doesn’t have to be part of your adventure. Whether you drive a Wrangler, Grand Cherokee or Gladiator, Jerry helps you find coverage that matches Jeep’s bold and capable spirit.
We compare top insurers, uncover every discount and manage renewals, so your protection is as reliable as your ride.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
