Are Jeeps more expensive to insure?
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UPDATED: Sep 15, 2022
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- Jeeps come with an average price tag for insurance, particularly the Wrangler
- Insurance prices will increase if you have an unfavorable driving record, are a young driver, or for a variety of other reasons
- You can save money on your insurance by driving safely, taking advantage of discounts, and comparing insurance quotes
Jeeps strike an iconic image on the road, and many Americans include a Jeep on their list of dream cars.
Despite its ongoing popularity, many people hesitate when it comes to buying one. Jeeps have a reputation for having low gas mileage and being expensive to repair.
Another consideration before jumping into a Jeep is the cost of insurance. One of the factors that affects the price of your car insurance is the cost of your car. That includes more than merely your car’s price tag — it also factors in how much it costs to repair it.
However, finding affordable car insurance for a Jeep might be easier than you think. Even though Jeeps may have additional associated expenses, your insurance can be surprisingly affordable.
So, are Jeeps more affordable to insure than other cars? Enter your ZIP code into our free tool to discover what quotes might look like for you.
How much is insurance for a Jeep?
Insurance for Jeeps tends to be higher than other comparable cars. The Jeep Wrangler sets the bar for off-road driving and exploring, and it comes with higher insurance rates.
The good news is that the Wrangler tends to be less expensive than comparable cars. On average, the Jeep Wrangler costs approximately $1,488 a year to insure. Other models can be more expensive, though.
Model Average monthly price for 2020 model Average monthly price for 2019 model Average monthly price for 2018 model
Wrangler $121 $126 $76
Cherokee $130 $133 $81
Compass $115 $123 $114
Grand Cherokee $127 $131 $84
Renegade $123 $130 $103
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In general, you’ll likely be able to find affordable insurance for a Jeep. However, there are numerous factors that can affect the price of your insurance.
What affects the price of insurance for a Jeep?
There are many factors that comprise the price of your insurance. Insurance companies have complex algorithms that they use to determine how much to charge you for coverage.
Factors that insurance companies consider include the following:
- Your gender – Insurance companies have detailed numbers regarding those who makes claims. Statistically, men are more likely than women to become involved in accidents and to engage in poor driving habits, making them more likely to file a claim.
- The make, model, and year of your Jeep – Some cars are safer than others, and some are less likely to get pulled over. Additionally, vehicles that are expensive to repair accompany higher premiums.
- Your trim level – As a unique consideration for Jeeps, the trim of your vehicle can affect the price of your insurance by as much as 20%.
- Your age – Adult drivers tend to have more experience on the road and engage less in risky behavior. Young drivers will pay much higher rates.
- Your driving record – If your driving history is clean, you’ll pay less. However, your insurance will be much higher if you have accidents, speeding tickets, or DUI infractions.
- Your credit history – Simply put, insurance companies base their trust on your ability to pay for your insurance according to your credit score.
- Your marital status – For reasons unknown, married people are less likely to file a claim than their single counterparts.
- Your location – Some areas have a higher risk for cars, such as more animal contact or car theft. Additionally, some zip codes have higher claims, meaning you’re more likely to cost your insurance company money.
There are other factors to consider, and companies choose what to emphasize. For example, some companies will double their prices after a speeding ticket, while others don’t punish too harshly for the first offense.
One of the chief reasons why your Jeep insurance will increase is if you are a young driver.
Why is insurance more expensive for young people?
Are you wondering how much insurance is on a Jeep Wrangler for a 17-year-old? Jeep insurance costs an 18-year-old and other teens more for several reasons.
First, younger drivers are more likely to engage in risky behavior. Statistics find that teen drivers (especially boys) drive more recklessly than their adult counterparts. In fact, teens have the highest likelihood of being involved in a car accident.
Second, teens don’t have the driving experience to know how to handle issues on the road. That includes tricky situations in which to drive like construction zones, bad weather, and the occurrence of mechanical issues.
Another reason is that new drivers simply don’t have a driving record. Insurance companies use your record as part of the basis for your insurance rates. Without a record, they don’t know if you’re a safe driver.
So, how much is insurance on a Jeep Wrangler for a 16-year-old? In the end, the main reason it costs more to insure teens is that they pose a financial risk to the insurance company.
How to Save Money on Insurance
There are plenty of ways to save money on insurance, even if you’re in a high-risk category.
First, you should keep your driving record clean. Follow the laws of the road, and avoid accidents and high-risk behavior. Even a single incident can dramatically raise your rates.
You should also take advantage of discounts that your insurance company offers. While every company is different, these are some of the most common discounts:
- Anti-theft devices – Newer Jeep models come with security options, and you can have additional devices installed to help protect your vehicle from theft.
- Defensive driver course – If your company offers this discount, they’ll have a list of approved courses from which you can select.
- Safe driver – This discount is for drivers that go year after year without having to make a claim.
- Good student – If you’re under the age of 25 and maintain a “B” average, you can receive this discount.
- Policy bundling – Some insurance companies offer multiple insurance products, such as auto, renters, and home insurance. You can presumably save money by bundling all your insurance needs into one plan.
- Multi-car – If you have multiple cars in your household, you can save money by combining them into one policy.
- Paid in full – If you pay for your total bill up front, you can save money. Your total bill is usually considered an entire year’s worth of insurance.
- New car – Most companies provide a discount for cars less than three years old, so you can save money if you purchase a newer Jeep.
- Low mileage – The less you drive, the more you save on insurance.
- Seniors – Most companies will give you approximately 10% off your total bill.
Finally, a crucial step to saving money is comparing quotes with other companies. Your unique set of factors will change the cost of your insurance with every provider, so finding the most affordable rates depends on getting quotes.
Best Insurance Companies for Jeeps
Jeeps are neither specialty vehicles nor luxury cars; therefore, most insurance companies insure them. So what are the best insurance companies for Jeeps?
Company Average monthly price Percentage of Jeep drivers
State Farm $94 9.3
GEICO $77 6.6
Progressive $87 5.6
Liberty Mutual $117 5.1
Allstate $116 5
Travelers $112 4
USAA $87 3.3
Farmers $116 2.9
Nationwide $105 2.6
For the most part, GEICO offers the cheapest insurance for a Jeep, with Progressive and USAA tying for second place. Again, the price that a company offers depends on your circumstances. Jeep Wrangler 4XE insurance costs more for teen drivers than does a basic Wrangler with an adult behind the wheel.
Find the Best Jeep Insurance
Are Jeeps expensive to insure? They’re no more expensive for the average driver than any other vehicle on the market. However, many factors can increase the price of your insurance.
If you’ve been wondering, Are Jeeps more expensive to insure?, don’t allow it to prevent you from purchasing the car of your dreams. You can find affordable coverage. To get started, enter your ZIP code into our free tool.
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