Buy Cheap Jeep Auto Insurance in 2024

Drivers looking to buy cheap Jeep auto insurance should always research various companies’ rates and coverage options to find one that fits their unique needs. In addition, rates vary by driving profile and model, making quote comparison essential.

Almost all states require liability auto insurance, so shop for the cheapest Jeep coverage. For extra protection, consider full coverage auto insurance, so you aren’t left paying out of pocket for your medical bills or car damages.

Keep reading to learn more about Jeep auto insurance coverage options, average rates by model, and tips you can follow to lower your premiums.

Cost of Jeep Auto Insurance

So, how much does car insurance cost? Your Jeep auto insurance rates depend on personal factors like driving profile, age, etc. Insurance companies use this information to assess how likely you are to file a claim.

When setting rates, insurance companies consider the following factors:

• Age
• Gender
• Driving record
• Location
• Occupation
• Annual mileage
• Deductible amount
• Credit score
• Coverage amount
• Marital status
• Eligible discounts

Additionally, the Jeep model you select affects how much you’ll pay. Generally, the more you pay for your car, the higher your rates will be.

Jeep Wrangler Auto Insurance Rates

The Jeep Wrangler, a four-wheel drive vehicle, is tied as one of the cheapest Jeep models to insure on average. Take a look at the average Wrangler auto insurance rates below.

Jeep Wrangler Average Monthly Auto Insurance Rates by Model Year and Coverage Type

Since the Wrangler has an MSRP of $31,195, you won’t pay outrageous auto insurance rates on one.

Jeep Patriot Auto Insurance Rates

Discontinued in 2017, the Jeep Patriot is a fuel-efficient, four-wheel drive vehicle with similar auto insurance rates to the Wrangler. Check out the table below to see how much you might pay to insure a Patriot.

Jeep Patriot Average Monthly Auto Insurance Rates by Model Year and Coverage Type

The 2017 Jeep Patriot has an MSRP of under $19,000, making it affordable to purchase and insure.

Jeep Grand Cherokee Auto Insurance Rates

The Jeep Grand Cherokee is the most expensive Jeep model and the second most costly to insure. Look at the table below to compare Grand Cherokee rates.

Jeep Grand Cherokee Average Monthly Auto Insurance Rates by Model Year and Coverage Type

The Grand Cherokee has a hefty starting price of $41,530.

Jeep Compass Auto Insurance Rates

The Jeep Compass is a compact SUV with an affordable Jeep auto insurance rate. Check out the table below to see Compass rates.

Jeep Compass Average Monthly Auto Insurance Rates by Model Year and Coverage Type

A 2023 Jeep Compass starts at $29,995, making it the second-most affordable model on our list.

Jeep Cherokee Auto Insurance Rates

The Jeep Cherokee is the most expensive model to insure of all the models assessed in our list. Look at the table below to see what you might pay to insure a Cherokee.

Jeep Cherokee Average Monthly Auto Insurance Rates by Model Year and Coverage Type

The starting price for a 2022 Jeep Cherokee is $34,895.

Jeep Auto Insurance Coverage Options

When searching for cheap Jeep auto insurance, you want to ensure you pick adequate coverage for your situation. While most coverages are optional, buying liability car insurance is a requirement in almost all U.S. states, and liability coverage pays for injuries or damages you cause to other drivers.

However, liability-only coverage doesn’t protect you or your vehicle. So, consider the following optional types of auto insurance coverages to increase your policy’s value:

• Comprehensive insurance. Comprehensive pays for damage caused by incidents unrelated to a collision, like theft, vandalism, fire, or weather.
• Collision insurance. Collision coverage pays to repair or replace your car after you get in an accident.
• Personal injury protection/medical payments. This coverage helps pay for medical expenses after an accident.
• Uninsured/underinsured motorist coverage. This coverage will pay for your damages if you have an accident with an uninsured or underinsured driver.
• Rental car insurance coverage. If your car is in the repair shop after a covered accident, rental car coverage pays for a rental car.
• Roadside assistance. Roadside assistance comes to the rescue if your car breaks down or you encounter other issues, like a flat tire, dead battery, or no fuel.
• Gap insurance. If your car is financed, buying Gap insurance coverage is critical to protecting it. If it gets totaled, gap insurance pays the difference between your auto loan balance and the car’s actual value.

Since each coverage above costs extra, you should only get the ones you need to ensure you don’t overpay for auto insurance. For example, if you have a depreciated older car and pay more for insurance than the car is worth, you might be better off dropping full coverage.

In addition, only some insurance companies offer the coverages listed above, so call a company representative to learn about coverage availability. Learn how much car insurance coverage you need.

How to Save on Jeep Auto Insurance

How can I save on Jeep auto insurance? While choosing an inexpensive Jeep model to insure might help you lower your auto insurance rates, there are other steps you can take to reduce them even more. To reduce your rates, consider the following tips:

• Improve credit score. While states like California, Hawaii, Massachusetts, and Michigan disallow insurers from considering credit scores when setting rates, many insurers consider them.

• Shop around. Don’t settle on the first insurance company you find. Always compare quotes from various insurers to ensure you get the best rates and coverage options.

• Increase your deductible. The amount you pay before insurance kicks in is called a deductible. The higher your deductible, the lower your rates.

• Drive safely. You might enjoy cheaper auto insurance rates if you practice good driving habits, avoid tickets, and remain accident-free. Some insurers offer a telematics program where you get a discount based on good driving habits.

• Drop unnecessary coverages. Never carry coverages you don’t need. For example, if you are married and have access to a second vehicle, you could eliminate rental car coverage.
• Insure a cheap vehicle. You could save if you insure a car with a low MSRP. Cheaper cars are more affordable to repair, so insurers charge them lower rates. For example, the Jeep Patriot is the cheapest to insure due to its $19,000 starting MSRP.

Following the steps above makes finding cheap Jeep auto insurance a breeze. Always compare quotes and coverage options before you decide on an insurance company.

Jeep Auto Insurance Discounts

Insurance companies offer auto insurance discounts to help policyholders lower their rates, which can help if you’re looking for the best Jeep auto insurance at an affordable rate. Below is a list of standard discounts you can find at most auto insurers:

• Good student discount. College or high school students looking for cheap Jeep auto insurance may qualify for this discount if they maintain a B average.
• Multi-policy discount. If you insure more than one Jeep, your insurer may offer you a multi-policy discount.
• Safe driving discount. Going accident- and incident-free for a certain period may give you an auto insurance discount.
• Defensive driving course discount. You could get lower rates on your Jeep if you participate in a defensive driving course approved by your insurance company.
• Anti-theft discount. Cars with anti-theft equipment, like car alarms or GPS tracking, could qualify for an anti-theft discount.
• Usage-based insurance discount. A usage-based program considers driving behavior when setting rates. For example, your insurer might send a device for your car that tracks behaviors, like speeding or hard braking, and bases your premiums on those behaviors.
• Military discount. Some insurers offer discounts to veterans, active duty military, and their families, so ask any company you’re considering if they provide one.
• Low mileage discount. You might qualify for a low mileage discount with your auto insurance company if you don’t drive a lot.

Auto insurance discounts offer Jeep drivers various ways to save on their rates. However, discount availability varies by location and company, so speak with a company representative to be sure and make sure to get plenty of Jeep auto insurance quotes.

The Bottom Line: How to Find Cheap Jeep Auto Insurance

Finding cheap Jeep auto insurance doesn’t have to be a struggle. Jeeps are relatively affordable to insure, and some models carry cheaper insurance than others.

Whether you’re looking for a liability-only or a full-coverage auto insurance policy, always compare quotes, coverage options, and discounts to find the cheapest Jeep auto insurance.