Cost of Jeep Insurance (2026)

Jeep vehicles consistently rank among the top SUVs on the market, according to Kelley Blue Book (KBB) and Edmunds. With their off-road capability and wide range of models and price points, Jeeps are a popular choice for many drivers.

Insuring a Jeep costs $204 per month for full-coverage auto insurance and $115 for liability-only coverage, on average. The average cost of car insurance for a Jeep is similar to the cost of coverage for a Mazda but significantly less than what you’d pay to cover a luxury vehicle like a Mercedes.

Cost of Jeep insurance by model

The average cost to insure a Jeep will vary depending on the model. For example, you’ll spend less on car insurance if you drive one of the cheapest models, like the Jeep Renegade, than you would for the top-of-the-line Jeep Wagoneer.

In the table below, you can see how car insurance rates for full-coverage insurance and liability-only coverage fluctuate based on the model you drive.

Jeep Model	Average Quote: Liability Only	Average Quote: Full Coverage
Jeep Compass	$117	$207
Jeep Cherokee	$116	$204
Jeep Grand Cherokee	$114	$203
Jeep Renegade	$113	$203
Jeep Wrangler	$114	$201
Jeep Gladiator	$112	$200
Jeep Wagoneer	$110	$197
Jeep Grand Wagoneer	$115	$193

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Cheapest Jeep insurance by model

Six Jeep models — the Compass, Renegade, Wrangler, Gladiator, Grand Cherokee, and Wagoneer — rank as some of the best SUVs on the market, according to both KBB and Edmunds. Whether you purchase a full-coverage policy or liability-only insurance, you should shop around with multiple insurers to find the best policy for you.

In the following sections, you’ll see how much car insurance costs from different auto insurance companies for several Jeep models.

Best companies for Jeep car insurance

Picking the best car insurance company for your Jeep depends on many factors, including your driver profile, budget, the type of coverage you need, vehicle safety ratings, your location (down to your ZIP code), and more. When shopping around, it’s smart to consider coverage options, customer reviews, customer satisfaction ratings, and average premiums.

Here’s a closer look at Insurify’s top picks for the best car insurance companies to consider when buying coverage for a Jeep vehicle.

Best insurer for overall customer satisfaction: State Farm

Overall Customer Satisfaction

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User Reviews	4.1 21,082 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$103/mo

Details

4.1

Best choiceBased on 21,082 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 8,108 State Farm reviews

Diane

Verified Review

Excellent

Reviewed in New Jersey on September 15, 2026

I have had no problems.

Vanessa Jo

Verified Review

A Great Group

Reviewed in Texas on September 15, 2026

Could not ask for more, except for a better rate for elderly drivers on an extreme budget.

David

Verified Review

Auto Insurance Racket

Reviewed in Michigan on September 15, 2026

I'm not sure I'm getting all the applicable discounts.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked sixth for overall customer satisfaction in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study. 

Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

Best insurer for drivers older than 25: GEICO

Drivers Older Than 25

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User Reviews	4.0 20,688 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$79/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$144/mo

Details

4.0

Best choiceBased on 20,688 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 8,179 GEICO reviews

Timothy

Verified Review

Great coverage; price could be more competitive

Reviewed in Nebraska on September 15, 2026

Prices can be beaten by some other companies for the same coverage.

Marilyn

Verified Review

Not bad, but I need a better price!

Reviewed in Florida on September 15, 2026

GEICO has been OK, but they haven't offered me any discounts in this latest market of reduced prices. I've been with them for quite a while with no issues on my part. So why do I have to switch companies to pay $80 less each month?

James

Verified Review

GEICO doesn’t live up to their promise to replace your totaled vehicle

Reviewed in Rhode Island on September 15, 2026

I had a total loss with my 2014 Highlander EX-L. GEICO claims to pay retail replacement, tax, and registration. I had to go 50 miles to find a lesser model (LE), and I had to pay for all my tax and registration—and then some. The adjuster, after I argued with him and sent comparable listings, raised the amount by about $500 or $600, and it still wasn’t near enough to replace my car. They don’t use Kelley Blue Book to value your car; they use NADA, which gives GEICO a big break and makes it difficult to replace your vehicle with something of the same value. I still fell short by a couple thousand dollars. It feels like false advertising, or whatever you’d call it, to put you in a lesser vehicle if your car is totaled. I’ll switch from GEICO at some point.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. 

The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners (NAIC) complaint index score is below average, meaning it receives fewer consumer complaints than average.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• A++ (Superior) financial strength rating from AM Best

Cons

• No rideshare or new car replacement coverage available

• Slightly lower customer satisfaction scores from J.D. Power

Best insurer for teen drivers: Allstate

Teen Drivers

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User Reviews	3.8 12,247 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$91/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$159/mo

Details

3.8

A solid optionBased on 12,247 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.9	3.6
Discounts	3.8	2.9
Policy transparency	3.7	3.1
Value	3.3	2.9

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

---

Best For

Accident forgiveness

Wide availability

Cheap rates

Showing recent national reviewsSee all 4,694 Allstate reviews

Glenn

Verified Review

Low-mileage driver, less than 20 miles/week

Reviewed in Mississippi on September 15, 2026

As a low-mileage driver, I should qualify for a lower rate.

Cf

Verified Review

Excellent

Reviewed in Maine on September 14, 2026

Good value.

Gerald

Verified Review

My Allstate Experience

Reviewed in South Carolina on September 13, 2026

Very good relationship. Easy to deal with.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. 

Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints on the NAIC Consumer Complaint Index.

Pros

• Ample opportunities for bundling discount

• Offers a pay-per-mile option

• A+ (Superior) financial strength rating from AM Best

Cons

• Low customer satisfaction

• Rates are merely average compared to other insurers

• Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study

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Average cost of Jeep insurance by state

How much you pay for car insurance depends on your location, including the state, city, and ZIP code you live in. Insurance companies consider the location-based risks where you live, such as population density, vehicle theft rates, accident rates, climate, and more.

Below, you can compare average full-coverage Jeep insurance quotes by state.

How to ensure you have enough coverage on your Jeep

Jeep owners can choose from various insurance products and coverage options, ranging from liability-only coverage to full-coverage insurance with additional endorsements. Liability coverage is typically cheaper than a full-coverage insurance policy but doesn’t offer as much financial protection.^[3]

If you’re shopping around for insurance for a new Jeep, you should consider purchasing more than your state’s minimum coverage requirements. If you’re financing or leasing your vehicle, your lender will likely require you to purchase full-coverage insurance.

Consider the following optional coverages that provide extra vehicle protection in various situations:

• 

  Collision coverage

  Collision coverage can pay for your vehicle repairs following damage from a collision with another vehicle or object, even if you’re at fault. Though states don’t require drivers to buy this coverage, your lender or dealer may require you to buy it if you lease or finance your Jeep.

• 

  Comprehensive coverage

  If you have vehicle damage resulting from non-collision incidents, like weather-related events, theft, or vandalism, comprehensive coverage can kick in to cover the repair or replacement costs. You may need to buy this coverage if you finance or lease your Jeep.

• 

  Medical payments (MedPay) coverage

  Depending on the state you live in, you can buy medical payments insurance to cover the cost of medical bills, treatment, and funeral expenses for you and your passengers following an accident. This coverage typically has limits.

• 

  Personal injury protection (PIP) coverage

  Also dependent on the state you live in, PIP insurance can cover the costs of medical and non-medical expenses related to injuries suffered in a car accident. Non-medical expenses include lost wages, child care costs, and funeral expenses.

• 

  Roadside assistance coverage

  Specifics vary by insurer, but roadside assistance coverage typically provides services to help policyholders return to the road safely following a flat tire, lockout, jump-start, and more.

Jeep insurance FAQs

Shopping around for car insurance quotes for your Jeep is a smart way to help you find the best rates and plan. The information below should help answer any of your remaining questions about insuring your Jeep.

Which company has the cheapest Jeep insurance?

Car insurance rates can fluctuate for Jeep drivers, but Hugo, USAA, and State Farm have some of the cheapest insurance rates for Jeep drivers. Other cheap car insurance companies offering lower-than-average rates include GEICO, Nationwide, and Allstate. The best way to find the right car insurance coverage for you is to compare quotes from multiple insurers.

Are Jeeps expensive to insure?

Not especially. The average cost to insure a Jeep is $181 per month for full coverage and $110 for liability coverage. This is similar to the national average rate of $187 per month for full coverage and $98 for liability insurance.

Does insurance cost more for a Jeep Wrangler?

Not really. When compared to the national average of $187 per month for full coverage and $98 for liability, Jeep Wrangler insurance rates are about the same. On average, full-coverage insurance for Jeep Wrangler costs $189 per month, while liability-only insurance is $112 per month.

Does Jeep insurance cover off-road driving?

Not necessarily. Insurance plans often only cover normal vehicle use on regulated roads, so if you plan to use your Jeep’s off-road capability, it’s a good idea to check your policy terms closely or talk to customer service to make sure your policy covers off-road driving.