When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Jeep car insurance is $2,542 or $212 per month. Remember that your specific rates may vary depending on the Jeep model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Jeep is $2,542 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Jeep car insurance rates by insurance company.
Cost to insure a Jeep, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,124 | $1,062 | $177 |
| Progressive | $2,215 | $1,107 | $185 |
| Geico | $2,235 | $1,118 | $186 |
| Nationwide | $2,303 | $1,151 | $192 |
| Farmers | $2,949 | $1,474 | $246 |
| Allstate | $3,472 | $1,736 | $289 |
Jeep average insurance rates, by model
Jeep Wrangler car insurance cost
The average car insurance premium for Jeep Wrangler is $175 per month, which translates to $2,104 per year. The most affordable company for a Jeep Wrangler is Nationwide with a rate of $146 monthly or $1,751 per year.
Jeep Compass car insurance cost
On average, car insurance for a Jeep Compass costs $181 a month or $2,174 per year. Progressive has the cheapest car insurance cost for a Jeep Compass at $154 per month, equating to $1,842 annually.
Jeep Grand Cherokee car insurance cost
The average car insurance premium is $198 per month, which adds up to $2,371 each year for a Jeep Grand Cherokee. State Farm is the cheapest car insurance company, with a monthly rate of $161, which translates to an annual cost of $1,934.
Jeep Grand Cherokee L car insurance cost
Car insurance costs an average of $200 per month, which adds up to $2,401 a year for a Jeep Grand Cherokee L. Among the companies analyzed, State Farm stands out as the most affordable option, at an average annual cost of $1,962 or $163 per month.
Jeep Gladiator car insurance cost
The average monthly car insurance premium for a Jeep Gladiator is $204, which totals $2,442 annually. Geico offers the cheapest rate at $162 per month or $1,945 annually.
Jeep Wrangler 4xe Hybrid car insurance cost
The average car insurance premium for Jeep Wrangler 4xe Hybrid is $217 per month, which translates to $2,608 per year. The most affordable company for a Jeep Wrangler 4xe Hybrid is State Farm with a rate of $169 monthly or $2,026 per year.
Insurance rates by car model
The average cost of car insurance for a Jeep, by driver age
Your age is an important rating factor in determining your Jeep car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
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 | $8,083 | $4,041 | $674 |
| 18 | Jeep Gladiator | $8,946 | $4,473 | $745 |
| 18 | Jeep Grand Cherokee | $8,662 | $4,331 | $722 |
| 18 | Jeep Grand Cherokee 4xe Hybrid | $10,362 | $5,181 | $864 |
| 18 | Jeep Grand Cherokee L | $8,771 | $4,386 | $731 |
| 18 | Jeep Grand Wagoneer | $13,547 | $6,773 | $1,129 |
| 18 | Jeep Wagoneer | $10,899 | $5,450 | $908 |
| 18 | Jeep Wrangler | $7,649 | $3,824 | $637 |
| 18 | Jeep Wrangler 4xe Hybrid | $9,396 | $4,698 | $783 |
Cost to insure a Jeep, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Jeep Compass | $2,174 | $1,087 | $181 |
| 40 | Jeep Gladiator | $2,442 | $1,221 | $204 |
| 40 | Jeep Grand Cherokee | $2,371 | $1,185 | $198 |
| 40 | Jeep Grand Cherokee 4xe Hybrid | $2,879 | $1,439 | $240 |
| 40 | Jeep Grand Cherokee L | $2,401 | $1,201 | $200 |
| 40 | Jeep Grand Wagoneer | $3,747 | $1,873 | $312 |
| 40 | Jeep Wagoneer | $3,030 | $1,515 | $252 |
| 40 | Jeep Wrangler | $2,104 | $1,052 | $175 |
| 40 | Jeep Wrangler 4xe Hybrid | $2,608 | $1,304 | $217 |
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 | $2,415 | $1,208 | $201 |
| Alabama | $2,290 | $1,145 | $191 |
| Arkansas | $2,640 | $1,320 | $220 |
| Arizona | $2,379 | $1,189 | $198 |
| California | $3,225 | $1,613 | $269 |
| Colorado | $3,328 | $1,664 | $277 |
| Connecticut | $2,729 | $1,365 | $227 |
| Washington, D.C. | $3,007 | $1,503 | $251 |
| Delaware | $2,545 | $1,273 | $212 |
| Florida | $3,035 | $1,518 | $253 |
| Georgia | $3,338 | $1,669 | $278 |
| Hawaii | $1,604 | $802 | $134 |
| Iowa | $2,250 | $1,125 | $187 |
| Idaho | $1,635 | $818 | $136 |
| Illinois | $2,464 | $1,232 | $205 |
| Indiana | $2,206 | $1,103 | $184 |
| Kansas | $2,764 | $1,382 | $230 |
| Kentucky | $3,196 | $1,598 | $266 |
| Louisiana | $4,173 | $2,086 | $348 |
| Massachusetts | $2,266 | $1,133 | $189 |
| Maryland | $2,432 | $1,216 | $203 |
| Maine | $1,821 | $911 | $152 |
| Michigan | $3,094 | $1,547 | $258 |
| Minnesota | $2,807 | $1,404 | $234 |
| Missouri | $3,288 | $1,644 | $274 |
| Mississippi | $2,585 | $1,293 | $215 |
| Montana | $2,610 | $1,305 | $218 |
| North Carolina | $2,202 | $1,101 | $184 |
| North Dakota | $2,244 | $1,122 | $187 |
| Nebraska | $2,744 | $1,372 | $229 |
| New Hampshire | $1,914 | $957 | $160 |
| New Jersey | $2,414 | $1,207 | $201 |
| New Mexico | $2,570 | $1,285 | $214 |
| Nevada | $2,353 | $1,177 | $196 |
| New York | $1,879 | $939 | $157 |
| Ohio | $1,728 | $864 | $144 |
| Oklahoma | $2,706 | $1,353 | $226 |
| Oregon | $2,301 | $1,151 | $192 |
| Pennsylvania | $2,710 | $1,355 | $226 |
| Rhode Island | $3,097 | $1,548 | $258 |
| South Carolina | $2,439 | $1,220 | $203 |
| South Dakota | $3,145 | $1,573 | $262 |
| Tennessee | $2,572 | $1,286 | $214 |
| Texas | $3,660 | $1,830 | $305 |
| Utah | $2,014 | $1,007 | $168 |
| Virginia | $1,880 | $940 | $157 |
| Vermont | $1,866 | $933 | $156 |
| Washington | $2,197 | $1,098 | $183 |
| Wisconsin | $1,897 | $948 | $158 |
| West Virginia | $2,449 | $1,224 | $204 |
| Wyoming | $2,713 | $1,357 | $226 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Jeep car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to 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
Opting for smaller, less costly Jeep models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“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, 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, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
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
To reduce the cost of your Jeep insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“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 Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Jeep insurance? It will depend on which model you choose. Jeep builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare 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 offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Jeep?
Your driving history is one of the many factors affecting your Jeep car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Jeep affect the insurance premium?
The color of your Jeep does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Jeep affect insurance costs?
Your Jeep’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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