Cost of Jeep Insurance (2025)
The overall average cost of car insurance for a Jeep is about $160 per month, but rates vary based on driving history, age, vehicle model, and more.
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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 $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.
Quick Facts
Jeep insurance rates vary widely between insurance companies.
Seven Insurance, Safety Insurance, Mile Auto, and Certainly are some of the car insurance companies offering the cheapest average coverage for Jeeps.
The Jeep Wrangler ranked 10th in Kelley Blue Book’s “Best Compact SUVs of 2025” list.[1]
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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
The Jeep Renegade ranked as KBB’s 12th-best subcompact SUV of 2023 and 2024.
The most recent model year sold — the 2023 Jeep Renegade — has a KBB Fair Purchase Price ranging from $20,117 to $25,846, depending on the vehicle trim. 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 $40 to $310 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 CompanyAverage Monthly QuoteSeven Insurance $40 Safety Insurance $45 Mile Auto $75 Aspire General $76 Certainly $78 Novo $94 CSAA $96 First Chicago $99 Just Pay-Per-Mile $101 Root $106 Safeco $119 Mercury $125 HiRoad $132 Progressive $133 Sun Coast $136 Direct Auto $138 Excepsure $138 National General $140 Freedom National $148 Orion Indemnity Company $149 Dairyland $150 Clearcover $158 The General $163 Insure on the Spot $164 Elephant $166 Alinsco $171 Anchor $177 First Acceptance $177 Bristol West $180 Commonwealth Casualty $196 Just Unlimited $196 Liberty Mutual $204 GAINSCO $205 Infinity $205 Foremost Signature $208 Kemper $208 Hugo $214 Lone Star $217 Covercube $220 AssuranceAmerica $223 USA Underwriters $252 InsureMax $310 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Jeep Compass ranks 14th in lists from KBB and Edmunds of the best compact SUVs in 2025.[2]
The 2025 Jeep Compass has a base MSRP of $26,900. 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 $47 and $244 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 CompanyAverage Monthly QuoteSafety Insurance $47 Seven Insurance $47 Mile Auto $73 Certainly $74 Just Pay-Per-Mile $84 Aspire General $88 CSAA $96 Novo $107 Root $115 Safeco $115 First Chicago $117 Insure on the Spot $117 HiRoad $124 Progressive $125 Dairyland $130 Sun Coast $130 Mercury $133 Direct Auto $136 Excepsure $139 National General $139 Freedom National $147 Just Unlimited $153 The General $158 Clearcover $161 Elephant $163 Anchor $168 Orion Indemnity Company $171 Alinsco $173 Bristol West $174 Commonwealth Casualty $177 First Acceptance $185 Lone Star $189 Covercube $192 Kemper $203 Liberty Mutual $205 AssuranceAmerica $207 GAINSCO $207 Hugo $210 Infinity $230 Foremost Signature $236 USA Underwriters $238 InsureMax $244 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The most iconic Jeep model, the Wrangler ranked as the 10th-best small SUV from KBB in 2025.
The 2025 Wrangler two-door sport model has a starting MSRP of $32,690. The sport model has a towing capacity of 2,000 pounds.
Jeep Wrangler car insurance rates from the insurers below range from $40 to $225 per month. Compare full-coverage insurance quotes from top car insurance companies below.
Insurance CompanyAverage Monthly QuoteSeven Insurance $40 Safety Insurance $46 Certainly $73 Mile Auto $74 First Chicago $78 Aspire General $82 Just Pay-Per-Mile $84 Safeco $110 HiRoad $115 Root $116 Sun Coast $122 Dairyland $123 Novo $124 CSAA $125 Progressive $126 Insure on the Spot $128 Freedom National $131 Direct Auto $134 National General $138 Excepsure $139 Mercury $139 The General $150 Just Unlimited $159 Orion Indemnity Company $159 Clearcover $161 Alinsco $162 Elephant $164 Lone Star $164 Bristol West $168 Commonwealth Casualty $185 Covercube $189 GAINSCO $190 Kemper $195 First Acceptance $197 Liberty Mutual $200 AssuranceAmerica $212 Hugo $214 InsureMax $214 Foremost Signature $215 USA Underwriters $222 National General Value $225 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In the midsize truck market, the 2025 Jeep Gladiator model earned a sixth-place ranking from KBB and a seventh-place ranking from Edmunds.
The Gladiator has a base MSRP of $38,695. Its maximum towing capacity is 7,700 pounds.
The cost to insure a Gladiator ranges from $55 to $252 per month, similar to insurance costs for the Compass and Wrangler. See how average full-coverage insurance rates vary by company below.
Insurance CompanyAverage Monthly QuoteSeven Insurance $55 Certainly $73 Aspire General $75 Mile Auto $76 Freedom National $82 Just Pay-Per-Mile $97 CSAA $109 Root $117 Safeco $117 Orion Indemnity Company $119 HiRoad $127 Novo $128 Sun Coast $132 Dairyland $135 Mercury $139 Direct Auto $142 Excepsure $144 National General $144 The General $154 Lone Star $165 Elephant $166 Alinsco $172 Commonwealth Casualty $182 Bristol West $183 Clearcover $187 Covercube $187 Kemper Standard $187 AssuranceAmerica $191 GAINSCO $192 USA Underwriters $205 Hugo $209 Foremost Signature $214 Liberty Mutual $219 Infinity $252 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2025 Jeep Grand Cherokee ranks as the 13th-best midsize SUV from KBB and the third-best from Edmunds. The vehicle has a starting MSRP of $36,495, much less than Jeep’s luxury full-size Grand Wagoneer.
Insurance costs for the Grand Cherokee range between $62 and $289 per month. Compare average full-coverage quotes from top insurance companies below.
Insurance CompanyAverage Monthly QuoteSeven Insurance $42 Safety Insurance $54 Mile Auto $69 Certainly $76 Just Pay-Per-Mile $84 Aspire General $88 First Chicago $88 Sun Coast $107 HiRoad $109 Safeco $109 Dairyland $110 Insure on the Spot $110 Novo $113 Freedom National $114 Root $114 Farmers/21st Century $119 CSAA $122 Progressive $123 Direct Auto $124 Mercury $125 National General $127 Orion Indemnity Company $137 The General $139 Excepsure $140 First Acceptance $151 Clearcover $154 Bristol West $157 Elephant $157 Commonwealth Casualty $165 Alinsco $170 Lone Star $172 Anchor $173 GAINSCO $174 AssuranceAmerica $180 Foremost Signature $181 Just Unlimited $182 Liberty Mutual $197 Covercube $202 Kemper Standard $202 InsureMax $203 Hugo $210 Infinity $218 USA Underwriters $223 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Discontinued after Jeep released its 2023 model, the Jeep Cherokee is a compact SUV. Its original MSRP was $39,290, though its current Kelley Blue Book (KBB) Fair Purchase Price is $24,774.
The cost of full-coverage insurance for a Jeep Cherokee ranges from $44 to $355 per month. Compare quotes from different insurance companies below.
Insurance CompanyAverage Monthly QuoteSeven Insurance $44 Safety Insurance $50 Mile Auto $73 Certainly $76 National General Value $84 Just Pay-Per-Mile $96 Aspire General $97 First Chicago $101 CSAA $107 Root $110 Safeco $114 Dairyland $120 Progressive $120 HiRoad $122 Mercury $124 Sun Coast $126 Direct Auto $132 Excepsure $137 Orion Indemnity Company $138 National General $139 The General $158 Freedom National $160 Commonwealth Casualty $162 Elephant $166 Alinsco $168 Bristol West $171 Clearcover $171 Insure on the Spot $171 Infinity $175 First Acceptance $177 Anchor $184 Just Unlimited $187 GAINSCO $193 Kemper Standard $194 Lone Star $196 Foremost Signature $203 Liberty Mutual $203 AssuranceAmerica $210 Hugo $211 Covercube $226 USA Underwriters $238 InsureMax $240 AssuranceAmerica Economy $355 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Jeep Grand Wagoneer earned a seventh-place ranking for large luxury SUVs from Edmunds, and the 2025 model earned a sixth-place ranking from KBB.
The 2025 Grand Wagoneer has a starting MSRP of $84,945 and a towing capacity of 9,800 pounds.
The vehicle is one of the more expensive Jeeps to insure, with monthly costs varying widely from $62 to $289 per month. Compare average full-coverage quotes below.
Insurance CompanyAverage Monthly QuoteFirst Chicago $62 Mile Auto $85 National General $110 Root $113 Foremost Signature $117 Safeco $119 The General $122 Lone Star $123 Excepsure $138 Bristol West $141 Direct Auto $141 Mercury $142 Elephant $176 Liberty Mutual $192 Hugo $231 Dairyland $237 Commonwealth Casualty $289 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2025 Jeep Wagoneer has a starting MSRP ranging from $59,945 to $73,945, depending on the specific vehicle trim. The full-size SUV has three rows of seating, a high towing capacity, and off-road capabilities.
On average, the cost to insure a Jeep Wagoneer ranges from $42 to $216 per month for full-coverage insurance. You can compare average quotes from different companies below.
Insurance CompanyAverage Monthly QuoteSeven Insurance $42 Certainly $61 Root $79 Mile Auto $80 Dairyland $90 Safeco $92 Alinsco $113 The General $119 Excepsure $123 Just Pay-Per-Mile $126 GAINSCO $129 National General $131 Novo $137 Elephant $144 Direct Auto $145 Bristol West $177 Hugo $177 Mercury $182 Commonwealth Casualty $184 Liberty Mutual $196 USA Underwriters $216 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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
| User Reviews | 4.1 |
|---|---|
| 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. | $55/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. | $117/mo |
4.1
Best choiceBased on 11,147 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,007)
Florinda
May 26, 2025
Verified Review
Too much
Extremely high insurance premiums. I’m looking for something much lower than $150.
Karon
May 25, 2025
Verified Review
Lousy customer service
I was told 6 weeks ago that I had a refund coming when I switched from a homeowner's policy to a renter's policy. I never received the check. Now it's another 3 weeks before they can re-issue the check. I applied for a re-rate three weeks ago on my auto policy, as I am paying over $100 a month for driving less than 50 miles a week. I still haven't received a reply to that application.
Peggy
May 25, 2025
Verified Review
Mediocre
Addresses concerns quickly, but rates keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| 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 /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. | $148/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. | $178/mo |
4.0
Best choiceBased on 11,909 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,412)
Karen
May 25, 2025
Verified Review
Geico is number 1 in my book
Any dealings I have had with Geico have been excellent, so I am pleased with Geico.
Destiny
May 24, 2025
Verified Review
Great Insurance
Geico is great to deal with and has good reviews.
Carla
May 19, 2025
Verified Review
Perfect record, but keeps costing more.
Good through the years, but the cost keeps increasing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
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. | $130/mo |
4.0
Best choiceBased on 6,792 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,633)
Howard
May 27, 2025
Verified Review
Used to be a good value
We have been customers for 42 years. We haven't seen any downward adjustment even though we're in North Carolina. We're looking for other quotes.
John
May 25, 2025
Verified Review
Excellent
Easy to deal with.
Jeannine
May 24, 2025
Verified Review
It's better with Allstate
With Allstate, my policy is lower with full coverage on my Charger than without it. With my Jeep also, the total premium is less than what I've been quoted elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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.
Average Monthly Costs by State
State | Average Monthly Quote |
|---|---|
| Alabama | $152 |
| Arizona | $143 |
| Arkansas | $140 |
| California | $144 |
| Colorado | $148 |
| Connecticut | $161 |
| Delaware | $163 |
| Florida | $174 |
| Georgia | $151 |
| Idaho | $138 |
| Illinois | $144 |
| Indiana | $147 |
| Iowa | $160 |
| Kansas | $140 |
| Kentucky | $139 |
| Louisiana | $137 |
| Maine | $137 |
| Maryland | $168 |
| Massachusetts | $193 |
| Michigan | $190 |
| Minnesota | $140 |
| Mississippi | $164 |
| Missouri | $134 |
| Montana | $150 |
| Nebraska | $156 |
| Nevada | $164 |
| New Hampshire | $109 |
| New Jersey | $115 |
| New Mexico | $161 |
| New York | $125 |
| North Carolina | $107 |
| North Dakota | $127 |
| Ohio | $140 |
| Oklahoma | $142 |
| Oregon | $125 |
| Pennsylvania | $177 |
| Rhode Island | $117 |
| South Carolina | $178 |
| South Dakota | $139 |
| Tennessee | $143 |
| Texas | $155 |
| Utah | $142 |
| Vermont | $191 |
| Virginia | $156 |
| Washington | $151 |
| District of Columbia | $143 |
| West Virginia | $128 |
| Wisconsin | $134 |
| Wyoming | $129 |
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.
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.
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 $195 per month for full coverage and $105 for liability insurance.
Not really. When compared to the national average of $195 per month for full coverage and $105 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.
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.
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Sources
- Kelley Blue Book. "Best Compact SUVs of 2025."
- Edmunds. "Best Small SUVs of 2025 and 2026."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
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Sarah Archambault
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.
Sarah has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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