Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 20, 2024
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Table of contents
Table of contents
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 $181 per month for full-coverage auto insurance and $110 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.
Jeep insurance rates vary widely between insurance companies.
Hugo, USAA, and State Farm offer the cheapest average car insurance quotes for Jeeps.
The Jeep Wrangler ranked 10th in Kelley Blue Book’s “Best Compact SUVs of 2023 & 2024” list.[1]
Cost of Jeep insurance by model
The average cost to insure a Jeep will vary depending on the model. For example, you can expect to 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 Grand Wagoneer | $105 | $307 |
Jeep Gladiator | $108 | $199 |
Jeep Compass | $109 | $187 |
Jeep Renegade | $111 | $169 |
Jeep Wrangler | $112 | $189 |
Jeep Grand Cherokee | $126 | $214 |
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 in 2023, 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 12 different auto insurance companies for each of the six types of Jeep models.
Jeep Renegade
The Jeep Renegade ranked as KBB’s 12th-best subcompact SUV of 2023 and 2024.
It has a starting MSRP of $28,345, which is only $55 cheaper than the starting MSRP of the Compass, Jeep’s compact SUV.[2] The vehicle has a maximum towing capacity of 2,000 pounds and a maximum horsepower of 177.
Auto insurance rates vary for drivers with a Renegade depending on the insurer they choose to buy coverage from. Average auto insurance quotes for the Renegade range from $59 to $197 per month, which resembles costs for drivers with a Compass, Cherokee, or Wrangler. See how average full-coverage insurance quotes vary by insurer below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $59 |
USAA | $80 |
State Farm | $88 |
GEICO | $92 |
Nationwide | $101 |
Allstate | $110 |
Progressive | $130 |
American Family | $139 |
Liberty Mutual | $140 |
Direct Auto | $157 |
Travelers | $161 |
Farmers | $187 |
Jeep Compass
For 2023, the Jeep Compass ranks 15th in lists of the best small, or compact, SUVs by KBB and Edmunds.[3]
The vehicle’s base MSRP of $28,400 is a bit more than the Jeep Renegade. The Compass has a sporty look, a maximum towing capacity of 2,000 pounds, and a standard horsepower of 200.
Insurance costs for the Compass range between $65 and $207 per month. Drivers with a Renegade, Wrangler, or Gladiator face similar average costs. The table below shows average full-coverage quotes from top insurers.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $65 |
USAA | $89 |
State Farm | $98 |
GEICO | $101 |
Nationwide | $112 |
Allstate | $121 |
Progressive | $143 |
American Family | $154 |
Liberty Mutual | $155 |
Direct Auto | $173 |
Travelers | $178 |
Farmers | $207 |
Jeep Wrangler
The most iconic Jeep model, the Wrangler ranked as the 10th-best small SUV from KBB and the eighth-best small SUV from Edmunds.
The 2024 Wrangler two-door sport model has a starting MSRP of $32,095, but more expensive models have starting MSRPs between $36,190 and $56,290. The two-door sport model has a towing capacity of 2,000 pounds.
Jeep Wrangler car insurance rates from the insurers below range from $65 to $209 per month. Compare full-coverage insurance quotes from top car insurance companies below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $65 |
USAA | $89 |
State Farm | $99 |
GEICO | $102 |
Nationwide | $113 |
Allstate | $123 |
Progressive | $145 |
American Family | $156 |
Liberty Mutual | $157 |
Direct Auto | $175 |
Travelers | $180 |
Farmers | $209 |
Jeep Gladiator
In the midsize truck market, the Jeep Gladiator model earned a fifth-place ranking from KBB and a second-place ranking from Edmunds.
The Gladiator has a base MSRP of $38,775, more than $6,000 more expensive than the starting MSRP for the two-door Wrangler. Its maximum towing capacity is 7,700 pounds.
The cost to insure a Gladiator ranges from $69 to $220 per month, similar to insurance costs for the Compass and Wrangler. See how average full-coverage insurance rates vary by company below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $69 |
USAA | $94 |
State Farm | $104 |
GEICO | $108 |
Nationwide | $119 |
Allstate | $129 |
Progressive | $152 |
American Family | $164 |
Liberty Mutual | $165 |
Direct Auto | $184 |
Travelers | $189 |
Farmers | $220 |
Jeep Grand Cherokee
The Jeep Grand Cherokee ranks as the 12th-best midsize SUV from KBB and the fourth-best from Edmunds. The vehicle has a starting MSRP of $36,495, nearly $55,000 less than Jeep’s luxury full-size Grand Wagoneer.
Insurance costs for the Grand Cherokee range between $74 and $164 per month. Compare average full-coverage quotes from top insurance companies below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $74 |
USAA | $101 |
State Farm | $112 |
GEICO | $116 |
Nationwide | $128 |
Allstate | $139 |
Progressive | $164 |
American Family | $176 |
Liberty Mutual | $177 |
Direct Auto | $198 |
Travelers | $203 |
Farmers | $237 |
Jeep Grand Wagoneer
The Jeep Grand Wagoneer earned a sixth-place ranking for large luxury SUVs from Edmunds and KBB.
The Grand Wrangler has a starting MSRP of $91,140 — nearly $55,000 more than the Grand Cherokee — and boasts a towing capacity of 9,750 pounds.
The vehicle is also the most expensive Jeep to insure, with monthly costs varying widely from $120 to $328 per month. Compare average full-coverage quotes below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $120 |
USAA | $163 |
State Farm | $180 |
GEICO | $187 |
Nationwide | $207 |
Allstate | $224 |
Progressive | $264 |
American Family | $285 |
Liberty Mutual | $286 |
Direct Auto | $320 |
Travelers | $328 |
Best companies for Jeep car insurance
Picking the best right 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
User Reviews | 4.2 |
---|---|
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. | $54/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. | $119/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
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 fifth for overall customer satisfaction in the 2023 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.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
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
User Reviews | 4.0 |
---|---|
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. | 9.0 /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. | $54/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. | $119/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
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 complaint index score is below average, meaning it receives fewer consumer complaints than average.
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Best insurer for teen drivers: Allstate
User Reviews | 4.0 |
---|---|
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. | $61/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. | $133/mo |
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Lyudmila
November 14, 2024
No Discount for Seniors
Latonya
November 12, 2024
Not Recommended
Linda
November 12, 2024
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
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 in the National Association of Insurance Commissioners Consumer Complaint Index.
Ample opportunities for bundling discount
Offers a pay-per-mile option
A+ (Superior) financial strength rating from AM Best
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
Jeep car insurance coverage
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.[4]
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 your 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.
Car insurance premiums ultimately depend on many factors, including your age, credit score, available discounts, driving record, property damage claims history from a previous policy, and vehicle information regarding safety features, trim level, model year, and more.
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 $204 per month for full coverage and $104 for liability insurance.
Does insurance cost more for a Jeep Wrangler?
Not really. When compared to the national average of $204 per month for full coverage and $104 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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Kelley Blue Book. "Best Compact SUVs of 2023 & 2024."
- Jeep. "Jeep Vehicles."
- Edmunds. "Best Small SUVs of 2023 and 2024."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in