Jeep's insurance costs about $50 monthly for minimum coverage and $116 for full coverage. The automaker ranks 4th for full coverage affordability but falls to 20th for minimum coverage among the brands we reviewed.
Jeep Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm offers the best and cheapest overall car insurance for Jeeps with rates starting at $38 monthly for minimum coverage and $90 for full coverage.
Depending on various factors like age, model and coverage level, Jeep auto insurance costs can range anywhere from $443 to $1,552 annually.
We found Jeep to rank 4th out of 23 automakers in our study for full coverage and 20th for minimum coverage, placing it on the less expensive side for car insurance.
How Much Is Jeep Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $50 | $601 | 20th |
Full Coverage | $116 | $1,390 | 4th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models for models referenced on this page.
Jeep Car Insurance Cost by Model
The most expensive model from Jeep that we found in our study was the Jeep Patriot, costing $672 for minimum coverage and $1,375 for full coverage annually. The least expensive for full coverage is the Jeep Wrangler.
| Jeep Gladiator | $623 | $1,500 |
| Jeep Wrangler | $634 | $1,237 |
| Jeep Cherokee | $669 | $1,394 |
| Jeep Grand Cherokee | $672 | $1,376 |
| Jeep Patriot | $675 | $1,245 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Jeep Car Insurance Cost by Model Year
Typically, we have found that the newer and pricier your Jeep, the higher your insurance costs may be. Below, compare costs for your Jeep by model and year.
Data filtered by:Results filtered by:
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Model Year:2016
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Jeep Model:Jeep Cherokee
| Jeep Cherokee | 2016 | $673 | $1,344 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Jeep Car Insurance Cost by Age
In general, teens face the steepest car insurance bills, with costs generally going down as you age, until you hit 60. After that, rates nudge up again. Jeep insurance can range from $613 to $6115 annually, depending on age and whether you opt for minimum or full coverage. Check the table below to see average costs for insuring a Jeep at different ages.
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Age:16
| 16 | $3,207 | $6,115 |
*Rates are for a driver with good credit and no driving violations.
Is Jeep Insurance Expensive?
While minimum coverage for Jeeps is more expensive at 20th for affordability, the full coverage policy costs are much lower, ranking as the fourth most affordable. Jeep's sturdy build and specialized parts often mean higher repair costs, which can lead to pricier insurance. Meanwhile, Jeep drivers showed a moderate number of incidents in the recent LendingTree study, influencing insurance rates to some extent.
How Expensive Is Jeep Insurance Compared To Similar Vehicles?
We've compared rates for a 2024 Grand Cherokee to comparable SUVs in terms of MSRP. We found that minimum coverage rates are up to 17% higher, full coverage rates are up to 3% more expensive. Insurers won't judge your rate by age if you're in California, Hawaii, or Massachusetts. They look at your driving history, car type, and where you live to determine your cost.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$54,332 | $664 | $1,532 | |
$46,180 | $568 | $1,493 | |
$47,883 | $616 | $1,489 |
Cheapest Jeep Car Insurance Companies
The cheapest overall car insurance for Jeep vehicles is State Farm, with average monthly rates of $38 for minimum coverage and $90 for full coverage. Following closely are GEICO, Travelers, Nationwide, and Allstate with competitive rates for Jeep owners.
| State Farm | $38 | $90 |
| GEICO | $41 | $95 |
| Travelers | $49 | $108 |
| Nationwide | $54 | $112 |
| Allstate | $53 | $115 |
Cheapest Car Insurance by Model
While the above companies offer the most affordable overall rates, for Jeep models, State Farm provides the cheapest minimum coverage and full coverage for all models in our study.
| Jeep Cherokee | State Farm | $40 | $100 |
| Jeep Gladiator | State Farm | $37 | $100 |
| Jeep Grand Cherokee | State Farm | $37 | $91 |
| Jeep Patriot | State Farm | $38 | $80 |
| Jeep Wrangler | State Farm | $39 | $86 |
Cheapest Jeep Car Insurance by Model Year
Explore the table below for the most affordable Jeep car insurance tailored to your model and year.
Data filtered by:Results filtered by:
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Model:Jeep Cherokee
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Model Year:2016
| State Farm | $465 | $1,107 |
| GEICO | $532 | $1,187 |
| Allstate | $650 | $1,336 |
| Nationwide | $633 | $1,381 |
| Travelers | $628 | $1,404 |
Cheapest Jeep Car Insurance by Age
The lowest overall Jeep Insurance rates by age range from $60 per month to $166 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Jeep vehicles.
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Age:40
| State Farm | $508 | $1,075 |
| GEICO | $547 | $1,137 |
| Travelers | $649 | $1,299 |
| Allstate | $695 | $1,375 |
| Nationwide | $752 | $1,349 |
Best Car Insurance for Jeep Vehicles
From our research, we found that the best overall companies to insure your Jeep with are State Farm, GEICO, Travelers, Nationwide, and Allstate. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| Nationwide | 87 |
| Travelers | 87 |
| GEICO | 86 |
| Progressive | 83 |
State Farm: Best for Most Jeep Drivers
pros
High customer satisfaction ratings
Lowest rates for most Jeep drivers
Extensive discounts for young drivers
cons
Smaller options for add-on coverage
COMPANY HIGHLIGHTS
For Jeep vehicles, State Farm has the cheapest rates overall for their vehicles with the lowest possible premiums for all of the models we studied, regardless of driver profile. However, where the company stands out most is its higher-than-average customer service and claims satisfaction, ranking sixth overall for claims and within the top 5 for overall satisfaction in 42 out of 52 states. They also offer particularly attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Young Jeep Owners
pros
Most affordable rates for young adult drivers
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
Expensive rates for certain Jeep models
COMPANY HIGHLIGHTS
While State Farm was the most affordable for most Jeep drivers, GEICO stands out by offering younger drivers more affordable rates. Out of all of the providers on our list, GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York the company ranks within the top 5 for overall customer satisfaction and 2nd nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Jeep Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Jeep vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
While not the most affordable for minimum coverage policies, Nationwide frequently is within the top three most affordable full coverage car insurance policies for Jeep vehicles. Uniquely the company offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide according to J.D. Power (tied for the largest possible discount in the nation of up to 40%)
How to Find the Best Cheap Car Insurance Company for Your Jeep
Discover how to secure affordable Jeep insurance below with MoneyGeek's tips.
- 1
Assess your needs
First, find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate your car's insurance costs to comprehend potential savings when comparing quotes. This research reveals the quality of deals you are considering. Additionally, explore available discounts for your car.
- 3
Compare multiple providers
Collect quotes from a variety of providers. Look into each company's reputation and available discounts to see how well they align with your needs.
Jeep Auto Insurance Cost: Bottom Line
Jeep full coverage insurance ranks as the 4th most affordable among U.S. automakers. Yet, state minimum coverage is pricier, sitting at 20th. To secure affordable rates, it's wise to compare quotes from several providers.
Jeep Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Jeep car insurance.
Which insurance company is the cheapest for Jeep?
The most affordable insurance company for Jeep, considering various coverage levels and driver profiles, is State Farm.
How much is Jeep car insurance?
Jeep car insurance for full coverage averages about $1,390 annually or $116 monthly. For state minimum coverage, the annual cost is around $601, with a monthly rate of about $50.
Is car insurance on a Jeep more expensive?
Car insurance on a Jeep is often less expensive compared to luxury or sports vehicles. Jeeps are seen as durable and versatile, which can translate to lower repair costs and insurance rates.
Which Jeep model is the cheapest to insure?
The Jeep Wrangler 2017 is the cheapest model to insure at $620 annually for minimum coverage, likely due to modest value and repair costs.
How We Determined Jeep Auto Insurance Costs
We calculated Jeep insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Jeeps
To calculate the best car insurance for Jeep vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.