Compare Jeep Car Insurance Rates [2023]

Jeeps are an iconic American brand and one of the most recognizable vehicles on the street. Known for their ability to traverse nearly any road, Jeeps are one of the best adventure vehicles on the market. With decent reliability, excellent safety ratings, and affordable price tags, Jeep car insurance rates are usually low.

While the average Jeep driver pays about $137 a month for coverage, several factors will affect your rates. For example, Jeep car insurance for new drivers is usually much more expensive than coverage for older drivers.

Explore your options for affordable Jeep car insurance rates below, then compare quotes from as many companies as possible to find the best policy for your Jeep.

How much does car insurance for a Jeep cost?

The average Jeep driver pays about $137 a month for car insurance, but several factors can make your rates higher or lower. Regardless, most Jeep drivers see rates that match the national average.

Because Jeep car insurance matches the national average so closely, you can get an idea of where to start your search for coverage by looking at average prices from the largest companies in the U.S. Check below to see how much you might pay based on the company you choose.

State Farm and Geico are some of the cheapest companies for Jeep insurance, (read our review on State Farm car insurance and Geico car insurance here.) While Allstate car insurance is usually more expensive.

However, companies have unique formulas to craft insurance quotes, so you should always compare your options.

Read our post on cheap car insurance to find out more ways to save. You probably won’t pick the most affordable company for your Jeep insurance on your first try, so looking at multiple quotes is important.

Jeep Car Insurance Rates by Model

Although Jeep car insurance usually matches the national average, some models are more expensive to insure than others. Check below to see how much some of Jeep’s most popular models cost for insurance.

The Jeep Cherokee is currently one of the most expensive models to insure, while the Patriot and Wrangler have the lowest rates.

Keep in mind that the prices listed above are averages — you might see much different prices when you look at personalized quotes.

Jeep Car Insurance Rates by Age

As you’ll see below, your age plays an important role in determining your Jeep insurance costs. Young drivers pay more for car insurance because they file more claims than older adults.

Check out the prices below to see how your age might affect your Jeep insurance rates.

Teens and young adults can pay four times as much for Jeep insurance as older drivers. The good news is that your rates will lower around age 25 if you keep your driving record clean.

Parents and guardians can also help teens find cheap car insurance. You can cut a teen’s rate in half if you add them to a pre-existing family policy. Compare car insurance rates for teen drivers here.

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What types of car insurance should you buy for a Jeep?

Jeeps hold a special place in their owners’ hearts as one of the best-known adventure brands in America. Buying the right coverage is one of the best ways to protect your Jeep.

Minimum insurance is the least amount of coverage you can buy in your state and still drive. It’s an excellent option for people with low-value, older cars and can help keep your insurance costs down.

Full coverage car insurance includes a suite of insurance types and offers much better protection. Many Jeep owners opt for full coverage, even when they own older models. Some Jeep models — especially the Wrangler — have low depreciation rates. That means your Jeep will retain its value for a long time, and full coverage protects your investment.

Consider the following types of car insurance below to understand what full coverage offers your Jeep:

• Liability: If you cause an accident, liability car insurance pays for damages and injuries to other drivers, their passengers, and bystanders. It doesn’t cover your car.
• Collision: Collision car insurance covers your Jeep after you cause an accident. Collision insurance pays for your repairs if you hit another driver, a parked car, or a stationary object.
• Uninsured/underinsured motorist: Most states require insurance, but that doesn’t mean every driver carries enough. Uninsured motorist insurance protects you from drivers without enough coverage.
• Comprehensive: For everything that can damage your car outside a collision, there’s comprehensive insurance. It covers damage from fire, floods, vandalism, extreme weather, animals, and theft.
• Personal injury protection/medical payments: Medical bills are more expensive than ever, but medical payments or personal injury protection insurance helps pay for them after an accident. They also cover your passengers.

With all the coverage listed above, it’s easy to see why many Jeep owners choose full coverage. Many drivers want to drive their Jeeps for years to come, and full coverage is one of the best ways to accomplish that.

What factors affect your car insurance rates?

Although Jeeps are usually affordable vehicles to cover, certain factors might make your insurance more expensive. When you’re buying car insurance, the following factors affect your car insurance rates:

• Age and gender: Men and young drivers pay more for car insurance because they get into more accidents and file more claims. The good news is that the price gap lessens with age. Compare car insurance rates by age and gender here.
• Location: Depending on where you live, you might pay more for car insurance. Some states are more expensive than others due to heavy traffic, more accidents, and extreme weather risks.
• Driving history: Car insurance companies check your driving records, so expect to pay less for your insurance if you have a clean driving record. Traffic incidents can significantly increase your rates.
• Credit score: It surprises many drivers, but insurance companies can use your credit scores to determine your rates in most states. Drivers with higher scores receive better insurance rates. Find good credit car insurance discounts here.
• Marital status: Married people file fewer claims than single, divorced, or widowed people, so they usually pay less for insurance. Find out why insurance rates are higher for singles than married couples.
• Your car: The car you drive is integral to your rates. Insurance companies look at your car’s age, title history, and model to determine how much you should pay for insurance.

You also need to consider how much insurance you need. Minimum insurance is your cheapest option, but it leaves your Jeep unprotected. Full coverage offers better protection but can cost double or even triple what minimum insurance costs.

How can you save on your Jeep car insurance?

Although Jeep drivers tend to pay rates that match the national average, you don’t have to settle for the first price you see. Try the following tips to find the lowest rates possible:

• Lower your coverage. You should consider lowering your coverage if your Jeep is older or worth less than a few thousand dollars. Your Jeep will be less protected, but you’ll save on monthly rates.
• Raise your deductible. Your car insurance deductible is the amount you pay when filing a claim. You can lower your car insurance rates by increasing your deductible.
• Be a safe driver. You’ll pay less for car insurance with a clean driving record. Speeding tickets, reckless driving charges, or DUIs can dramatically impact your rates. Find out how a speeding ticket affects your car insurance rates.
• Look for discounts. You should look at how many car insurance discounts a company offers before choosing. Popular discounts include paying your policy in full and bundling policies for auto and home insurance.
• Enroll in a telematics program. Insurance companies offer safe drivers an easy way to save on their insurance. You’ll earn a discount if you let your company track your driving habits. Compare usage-based car insurance programs here.
• Keep your car safe. Keeping your Jeep parked in a secure spot every night will help keep your rates low. You might earn a discount if you have security features like audible alarms or GPS tracking. Find safety features car insurance discounts here.

Like other types of insurance, the most important way to ensure you get the best price for your car insurance is to compare rates. Some companies will have lower prices than others for your unique situation. For example, State Farm is one of the cheapest options for drivers with a DUI.

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Find the Best Jeep Car Insurance Quotes Today

As one of America’s most easily recognized brands, Jeeps are a popular choice for everyone, from outdoor enthusiasts to high school drivers. With superb durability, versatility, and the ability to drive just about anywhere, the popularity of the Jeep doesn’t seem to be wavering any time soon. In addition, affordable insurance rates add another reason to consider buying a Jeep.

While insurance rates are generally affordable, there are always more ways to save on your Jeep coverage. While finding discounts and being a safe driver are important, the best way to find low rates for your Jeep is to compare car insurance quotes with as many companies as possible.

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