Over the past year, Jerry has helped 52,933 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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$738 for basic coverage.
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$1,879 for standard coverage.
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$2,027 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 $1,966 and $4,468 annually for full coverage, with an average premium around $3,631. That’s slightly lower than the national average of $4,127, 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 on your Jeep car insurance. 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 auto 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
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Isabelle, 39, Nashville, TN | 10/06/26 | Grand Cherokee Overl | Progressive | Standard | $76 | 46% |
| Brett, 57, Pawtucket, RI | 10/05/26 | Wrangler Unlimted Sa | Progressive | Standard | $219 | 51% |
| Clayton, 31, Richmond, VA | 10/05/26 | Grand Cherokee Limit | Mercury | Standard | $148 | 14% |
| Stanley, 57, Palm Coast, FL | 10/05/26 | Cherokee Limited | Gainsco | Basic + Full Coverage | $134 | 33% |
| Carolyn, 51, Apopka, FL | 10/05/26 | Patriot Latitude | Infinity | Standard | $149 | 26% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
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.
Insurance costs for other makes
How much does insurance cost for each Jeep model?
Jeep insurance costs vary more by model than most people expect. Off-road-capable trims, higher theft rates on some models and the Wrangler’s unique open-body construction can all push premiums up compared to a standard SUV. Find your model below to see current averages from Jerry drivers.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| Comanche | $95 | $1,145 |
| Wrangler Renegade | $99 | $1,184 |
| Wrangler / Tj Sahara | $106 | $1,276 |
| Renegade | $130 | $1,560 |
| Wrangler SE | $133 | $1,594 |
| Wrangler / Tj SE | $154 | $1,842 |
| Wrangler Tj Sport | $155 | $1,860 |
| Wrangler 70th Annive | $158 | $1,896 |
| Wrangler Ri0 Grand | $162 | $1,941 |
| Gr Cher Lar Col Fr | $164 | $1,964 |
| Wrangler S | $166 | $1,992 |
| Wrangler | $173 | $2,071 |
| Wrangler Tj Sahara | $181 | $2,169 |
| Cherokee Country | $185 | $2,221 |
| Liberty Renegade | $185 | $2,223 |
| Grand Cherokee Limited 5.9l | $189 | $2,268 |
| Grand Cherokee Lmtd | $191 | $2,288 |
| Gladiator | $195 | $2,345 |
| Cherokee SE | $196 | $2,356 |
| Wrangler / Tj Sport | $199 | $2,386 |
| Grand Cherokee Sport | $205 | $2,465 |
| Wrangler Tj SE | $205 | $2,466 |
| Wrangler X | $208 | $2,492 |
| Commander Overland | $210 | $2,523 |
| Renegade Islander | $215 | $2,584 |
| Wrangler Unlimited X | $217 | $2,600 |
| Wrangler Unltd Rubic | $218 | $2,620 |
| Liberty Limited | $229 | $2,754 |
| Compass North | $230 | $2,766 |
| Wrangler Unlimited Sahara | $235 | $2,818 |
| Liberty Jet | $238 | $2,852 |
| Grand Cherokee Col | $238 | $2,856 |
| Cherokee Classic | $238 | $2,861 |
| Grand Cherokee Trailhawk | $239 | $2,866 |
| Cherokee Latitude Lu | $241 | $2,888 |
| Commander | $243 | $2,913 |
| Patriot | $245 | $2,935 |
| Liberty Sport | $248 | $2,979 |
| Wrangler Unlimited Sport | $249 | $2,987 |
| Grand Cherokee Overland | $249 | $2,987 |
| Wrangler Unlmted Rub | $250 | $3,002 |
| Liberty Freedom | $251 | $3,015 |
| Patriot Limited | $253 | $3,034 |
| Wrangler Unlimited Rubicon | $255 | $3,056 |
| Wrangler Unlimited Rubicon 4xe | $255 | $3,063 |
| Compass | $258 | $3,098 |
| Commander Sport | $261 | $3,126 |
| Liberty | $261 | $3,130 |
| Commander Limited | $262 | $3,139 |
| Gladiator Rubicon | $263 | $3,161 |
| Patriot Latitude | $264 | $3,165 |
| Patriot Sport | $265 | $3,184 |
| Wrangler Sport | $267 | $3,205 |
| Renegade Sport | $268 | $3,211 |
| Renegade Limited | $268 | $3,214 |
| Cherokee Sport | $268 | $3,216 |
| Renegade 80th Editio | $269 | $3,226 |
| Wrangler Sahara | $269 | $3,232 |
| Cherokee | $270 | $3,236 |
| Wrangler Unlimted Sa | $270 | $3,244 |
Based on Jerry customers with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
What’s the best car 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.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Jeep drivers can shop and lower insurance costs
Finding the right Jeep car 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 depend on coverage and other factors. Potential savings will vary.
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 depend on coverage and other factors. Potential savings will vary.
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
$69 – $156/mo
Offers the legal minimum limits, which vary by state.
Full
$135 – $300/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$145 – $339/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$165 – $393/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.
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
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Isabelle, 39, Nashville, TN | Grand Cherokee Overl | 10/06/26 | Trexis | $1,680 | $1,135 | $545 |
| Brett, 57, Pawtucket, RI | Wrangler Unlimted Sa | 10/05/26 | Progressive | $5,400 | $2,628 | $2,772 |
| Clayton, 31, Richmond, VA | Grand Cherokee Limit | 10/05/26 | Mercury | $2,076 | $1,776 | $300 |
| Stanley, 57, Palm Coast, FL | Cherokee Limited | 10/05/26 | Gainsco | $2,400 | $1,602 | $798 |
| Carolyn, 51, Apopka, FL | Patriot Latitude | 10/05/26 | Bristol West | $2,400 | $744 | $1,656 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
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’re looking for new car insurance for a Jeep Wrangler or want to compare rates for your Grand Cherokee, 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.
FAQ
- Is car insurance more expensive for a Jeep Wrangler than other SUVs?
- Does adding a lift kit or off-road modifications affect my Jeep’s insurance rate?
- Should I get full coverage or liability only on my Jeep Cherokee?
- How much does it cost to insure a Jeep?
- How much does it cost to insure a Jeep Wrangler in Florida?
- How do I insure a brand-new Jeep I just bought at the dealership?
- What coverage do I need for a Jeep Grand Cherokee used for family trips?
- How do I switch my insurance from a Dodge to a Jeep?
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.
