When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Jeep car insurance is $2,817 a year or $235 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Jeep is $2,817 per year.
- The Wrangler is the cheapest Jeep model to insure.
- Advanced safety features that come standard on Jeep models help lower your insurance costs.
Average cost of car insurance for a Jeep, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Jeep vehicles compare among different insurers in the table below.
Cost to insure a Jeep, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,967 | $984 | $164 |
| GEICO | $2,453 | $1,227 | $204 |
| State Farm | $2,453 | $1,227 | $204 |
| Progressive | $2,563 | $1,281 | $214 |
| Nationwide | $2,599 | $1,300 | $217 |
| Farmers | $3,631 | $1,815 | $303 |
| Allstate | $3,698 | $1,849 | $308 |
| USAA | $1,990 | $995 | $166 |
Jeep average insurance rates, by model
Jeep Wrangler car insurance cost
Car insurance cost for a Jeep Wrangler is $192 per month or $2,307 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Jeep Wrangler at an average monthly cost of $140 or $1,683 yearly.
Jeep Compass car insurance cost
The average car insurance premium for Jeep Compass is $201 per month, which translates to $2,414 per year. The most affordable company for a Jeep Compass is Travelers with a rate of $159 monthly or $1,914 per year.
Jeep Gladiator car insurance cost
The average car insurance premium is $205 per month, which adds up to $2,460 each year for a Jeep Gladiator. Travelers is the cheapest car insurance company, with a monthly rate of $135 , which translates to an annual cost of $1,624 .
Jeep Grand Cherokee L car insurance cost
Car insurance costs an average of $223 per month, which adds up to $2,679 a year for a Jeep Grand Cherokee L. Among the companies analyzed, Travelers stands out as the most affordable option, at an average annual cost of $1,942 or $162 per month.
Jeep Grand Cherokee car insurance cost
Car insurance cost for a Jeep Grand Cherokee is $2,680 a year or $223 monthly. If you own a Jeep Grand Cherokee, Travelers has the cheapest car insurance rates with an average annual premium of $1,973 or $164 per month.
Jeep Wrangler 4xe Hybrid car insurance cost
The average car insurance premium for Jeep Wrangler 4xe Hybrid is $226 per month, which translates to $2,708 per year. The most affordable company for a Jeep Wrangler 4xe Hybrid is Travelers with a rate of $150 monthly or $1,799 per year.
Insurance rates by car model
The average cost of car insurance for a Jeep, by age
Jeep car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Jeep by the driver’s age.
Cost to insure a Jeep, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Jeep Compass | $7,972 | $3,986 | $664 |
| 18 | Jeep Gladiator | $8,114 | $4,057 | $676 |
| 18 | Jeep Grand Cherokee | $8,758 | $4,379 | $730 |
| 18 | Jeep Grand Cherokee 4xe Hybrid | $10,497 | $5,249 | $875 |
| 18 | Jeep Grand Cherokee L | $8,758 | $4,379 | $730 |
| 18 | Jeep Grand Wagoneer | $13,416 | $6,708 | $1,118 |
| 18 | Jeep Wagoneer | $10,630 | $5,315 | $886 |
| 18 | Jeep Wrangler | $7,587 | $3,793 | $632 |
| 18 | Jeep Wrangler 4xe Hybrid | $8,821 | $4,410 | $735 |
Cost to insure a Jeep, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Jeep Compass | $2,414 | $1,207 | $201 |
| 40 | Jeep Gladiator | $2,460 | $1,230 | $205 |
| 40 | Jeep Grand Cherokee | $2,680 | $1,340 | $223 |
| 40 | Jeep Grand Cherokee 4xe Hybrid | $3,277 | $1,639 | $273 |
| 40 | Jeep Grand Cherokee L | $2,679 | $1,339 | $223 |
| 40 | Jeep Grand Wagoneer | $4,188 | $2,094 | $349 |
| 40 | Jeep Wagoneer | $3,323 | $1,661 | $277 |
| 40 | Jeep Wrangler | $2,307 | $1,154 | $192 |
| 40 | Jeep Wrangler 4xe Hybrid | $2,708 | $1,354 | $226 |
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Jeep car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Jeep car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Jeep car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,627 | $1,313 | $219 |
| Alabama | $2,361 | $1,181 | $197 |
| Arkansas | $3,174 | $1,587 | $264 |
| Arizona | $2,902 | $1,451 | $242 |
| California | $3,612 | $1,806 | $301 |
| Colorado | $3,254 | $1,627 | $271 |
| Connecticut | $3,190 | $1,595 | $266 |
| Washington, D.C. | $3,603 | $1,802 | $300 |
| Delaware | $3,124 | $1,562 | $260 |
| Florida | $3,418 | $1,709 | $285 |
| Georgia | $3,011 | $1,506 | $251 |
| Hawaii | $1,624 | $812 | $135 |
| Iowa | $2,380 | $1,190 | $198 |
| Idaho | $1,850 | $925 | $154 |
| Illinois | $2,326 | $1,163 | $194 |
| Indiana | $1,891 | $946 | $158 |
| Kansas | $2,757 | $1,378 | $230 |
| Kentucky | $3,271 | $1,636 | $273 |
| Louisiana | $4,838 | $2,419 | $403 |
| Massachusetts | $2,211 | $1,105 | $184 |
| Maryland | $3,039 | $1,520 | $253 |
| Maine | $1,795 | $897 | $150 |
| Michigan | $3,627 | $1,814 | $302 |
| Minnesota | $2,591 | $1,296 | $216 |
| Missouri | $2,750 | $1,375 | $229 |
| Mississippi | $3,184 | $1,592 | $265 |
| Montana | $2,625 | $1,313 | $219 |
| North Carolina | $2,273 | $1,137 | $189 |
| North Dakota | $2,182 | $1,091 | $182 |
| Nebraska | $2,853 | $1,427 | $238 |
| New Hampshire | $1,851 | $926 | $154 |
| New Jersey | $3,273 | $1,637 | $273 |
| New Mexico | $2,733 | $1,366 | $228 |
| Nevada | $3,511 | $1,756 | $293 |
| New York | $3,079 | $1,539 | $257 |
| Ohio | $1,827 | $914 | $152 |
| Oklahoma | $3,116 | $1,558 | $260 |
| Oregon | $2,365 | $1,182 | $197 |
| Pennsylvania | $2,795 | $1,397 | $233 |
| Rhode Island | $2,990 | $1,495 | $249 |
| South Carolina | $3,350 | $1,675 | $279 |
| South Dakota | $3,051 | $1,525 | $254 |
| Tennessee | $2,434 | $1,217 | $203 |
| Texas | $3,380 | $1,690 | $282 |
| Utah | $2,242 | $1,121 | $187 |
| Virginia | $2,397 | $1,198 | $200 |
| Vermont | $1,847 | $924 | $154 |
| Washington | $2,443 | $1,222 | $204 |
| Wisconsin | $2,620 | $1,310 | $218 |
| West Virginia | $2,482 | $1,241 | $207 |
| Wyoming | $2,133 | $1,066 | $178 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Jeep car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Jeep models to insure
Smaller, budget-friendly Jeep models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Jeep models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Jeep
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Jeep discounts on car insurance
You can take advantage of all the available discounts to lower your Jeep car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Jeep auto insurance.
How does a car’s make affect car insurance rates?
Jeep car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Jeep
Jeep is an American brand known globally for its rugged and versatile vehicles, designed to conquer diverse terrains. The brand was born out of wartime necessity in 1941, when Willys-Overland won a contract to produce a light reconnaissance vehicle for the U.S. military. Over the years, Jeep has expanded its line-up to include various models, while maintaining its core values of adventure, freedom and passion.
Final thoughts on Jeep insurance costs
Jeep makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Jeep model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Jeep?
Your driving record is important in determining your Jeep’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Jeep affect the insurance premium?
The color of your Jeep does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Jeep affect insurance costs?
The age of your Jeep can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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