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. See the average insurance cost for each model by exploring car insurance rates by vehicle and model below:
Jeep Car Insurance
Updated: May 5, 2026
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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
Among the Jeep models in our study, the Jeep Patriot carries the highest minimum coverage rate at $675 per year. Drivers looking to keep full coverage costs down will find the Jeep Wrangler hard to beat; it comes in at $1,237 annually, the lowest of any Jeep model we analyzed.
| 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.
See how much Jeep Compass insurance costs are compared to other Jeep models.
Jeep Car Insurance Cost by Model Year
We’ve found that the newer and more expensive your Jeep is, the higher your auto insurance costs may be. You can compare rates for your Jeep by model and year in the table that follows.
Data filtered by:
2016
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.
Data filtered by:
16
| 16 | $3,207 | $6,115 |
*Rates are for a driver with good credit and no driving violations.
Is Jeep Insurance Expensive?
Jeep insurance costs vary by coverage type. For minimum coverage, Jeeps rank 20th among vehicle brands for affordability. Full coverage is a different picture. Jeeps rank fourth cheapest nationally, largely because Jeep drivers post moderate accident rates, according to a recent LendingTree study.
Jeep's rugged construction uses specialized parts that cost more to replace after an accident. That pushes comprehensive and collision rates higher, which is why full coverage costs more relative to minimum coverage despite the favorable liability profile.
How Expensive Is Jeep Insurance Compared to Similar Vehicles?
Jeep insurance runs higher than comparable SUVs, though the difference shrinks considerably with full coverage. MoneyGeek compared 2024 Grand Cherokee rates against similar-priced SUVs and found minimum coverage runs up to 17% higher and full coverage up to 3% higher.Â
Drivers in California, Hawaii and Massachusetts won't see age-based pricing; insurers there rate policies on driving record, vehicle type and ZIP code instead.
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
State Farm offers the cheapest car insurance for Jeep owners, with average monthly rates of $38 for minimum coverage and $90 for full coverage. GEICO, Travelers, Nationwide and Allstate also offer competitive rates for Jeep drivers
| 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:
Jeep Cherokee
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.
Data filtered by:
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 | 89.75 |
| Nationwide | 87.07 |
| Travelers | 86.8 |
| GEICO | 86.35 |
| Progressive | 82.83 |
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.
- 1Assess your needs
Decide what coverage level fits your situation: liability-only, full coverage or something in between, along with a deductible you're comfortable paying out of pocket. Our car insurance coverage calculator gives personalized recommendations based on your inputs.
- 2Research average costs and discounts
Check average insurance costs for your Jeep model before you start comparing quotes; knowing what's reasonable makes it easier to spot a good rate. Look into discounts you may qualify for, such as safe driver or multi-policy savings, which can meaningfully reduce your final premium.
- 3Compare multiple providers
Get quotes from at least three insurers to find the best value for your coverage needs. Beyond price, check each company's customer service ratings and available discounts before making a final call.
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?
Jeep insurance costs less than coverage for luxury and sports vehicles. For minimum coverage, Jeeps rank 20th most affordable among all vehicle brands, and full coverage ranks fourth cheapest nationally. Repair costs for Jeeps run lower than premium brands, which helps keep rates down.
Which Jeep model is the cheapest to insure?
The 2017 Jeep Wrangler is the cheapest Jeep to insure, at $620 per year for minimum coverage. Its lower vehicle value and straightforward repair costs keep premiums below other models in the Jeep lineup.
How We Determined Jeep Auto Insurance Costs
MoneyGeek 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
Minimum coverages used 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 scoring system based on five weighted factors:
- Customer satisfaction (35%): Based on results from J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Compares rate data from Quadrant Information Services
- Claims (20%): Evaluated using insights from the J.D. Power Claims Study and the CRASH Report Card
- Coverage (10%): Focuses on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Uses AM Best financial health ratings
Data Sources
- AM Best: Financial strength ratings for insurance companies
- J.D. Power: Industry research and performance analytics
- NAIC: Consumer complaints and insurance market data
- Quadrant Information Services: Auto insurance costs 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 others' 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
Sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.