Jeep Commander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 7, 2024
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The average insurance rates for a Jeep Commander are $920 a year for full coverage insurance. Comprehensive insurance costs approximately $150, collision costs $170, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $1,968 or more. 16-year-old drivers cost the most to insure at $3,734 a year or more.
Average premium for full coverage: $920
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Commander models.
Price Range Variability
For a 40-year-old driver, Jeep Commander insurance rates go from the low end price of $496 for the bare minimum liability coverage to the much higher price of $1,968 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.
The example below illustrates how your location can change auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Jeep Commander insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $569
- Raising to $1,000 deductibles will save $74 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $920
- Buying pricier low deductibles will cost an additional $136 annually
- Drivers with multiple tickets or accidents could pay around $1,968 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost $3,734
Insurance rates for a Jeep Commander also range considerably based on the model of your Commander, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Jeep Commander insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Your home state also has a big influence on Jeep Commander insurance prices. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,240 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$88 | -9.6% |
| Alaska | $706 | -$214 | -23.3% |
| Arizona | $766 | -$154 | -16.7% |
| Arkansas | $920 | -$0 | 0.0% |
| California | $1,048 | $128 | 13.9% |
| Colorado | $878 | -$42 | -4.6% |
| Connecticut | $948 | $28 | 3.0% |
| Delaware | $1,040 | $120 | 13.0% |
| Florida | $1,150 | $230 | 25.0% |
| Georgia | $850 | -$70 | -7.6% |
| Hawaii | $660 | -$260 | -28.3% |
| Idaho | $622 | -$298 | -32.4% |
| Illinois | $686 | -$234 | -25.4% |
| Indiana | $692 | -$228 | -24.8% |
| Iowa | $620 | -$300 | -32.6% |
| Kansas | $876 | -$44 | -4.8% |
| Kentucky | $1,256 | $336 | 36.5% |
| Louisiana | $1,362 | $442 | 48.0% |
| Maine | $568 | -$352 | -38.3% |
| Maryland | $758 | -$162 | -17.6% |
| Massachusetts | $738 | -$182 | -19.8% |
| Michigan | $1,598 | $678 | 73.7% |
| Minnesota | $768 | -$152 | -16.5% |
| Mississippi | $1,102 | $182 | 19.8% |
| Missouri | $816 | -$104 | -11.3% |
| Montana | $990 | $70 | 7.6% |
| Nebraska | $726 | -$194 | -21.1% |
| Nevada | $1,102 | $182 | 19.8% |
| New Hampshire | $662 | -$258 | -28.0% |
| New Jersey | $1,028 | $108 | 11.7% |
| New Mexico | $814 | -$106 | -11.5% |
| New York | $970 | $50 | 5.4% |
| North Carolina | $530 | -$390 | -42.4% |
| North Dakota | $754 | -$166 | -18.0% |
| Ohio | $636 | -$284 | -30.9% |
| Oklahoma | $944 | $24 | 2.6% |
| Oregon | $842 | -$78 | -8.5% |
| Pennsylvania | $878 | -$42 | -4.6% |
| Rhode Island | $1,228 | $308 | 33.5% |
| South Carolina | $832 | -$88 | -9.6% |
| South Dakota | $778 | -$142 | -15.4% |
| Tennessee | $808 | -$112 | -12.2% |
| Texas | $1,110 | $190 | 20.7% |
| Utah | $682 | -$238 | -25.9% |
| Vermont | $630 | -$290 | -31.5% |
| Virginia | $552 | -$368 | -40.0% |
| Washington | $714 | -$206 | -22.4% |
| West Virginia | $842 | -$78 | -8.5% |
| Wisconsin | $638 | -$282 | -30.7% |
| Wyoming | $820 | -$100 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $210 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Commander Sport 2WD | $882 | $74 |
| Jeep Commander Sport 4WD | $906 | $76 |
| Jeep Commander Limited 2WD | $934 | $78 |
| Jeep Commander Limited 4WD | $934 | $78 |
Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Jeep Commander | $174 | $202 | $468 | $1,002 |
| 2008 Jeep Commander | $168 | $188 | $452 | $966 |
| 2007 Jeep Commander | $154 | $180 | $446 | $938 |
| 2006 Jeep Commander | $150 | $170 | $442 | $920 |
Rates are averaged for all Jeep Commander models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Jeep Commander Insurance
Finding cheaper rates on insurance for a Jeep Commander consists of having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The following items are a quick review of the car insurance concepts illustrated above.
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,050 more per year than a driver with a clean driving record
- It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $200 each year
- Insureds who purchase additional liability coverage will pay around $490 annually to raise from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,734 |
| 20 | $2,094 |
| 30 | $934 |
| 40 | $920 |
| 50 | $846 |
| 60 | $828 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,056 |
| $250 | $996 |
| $500 | $920 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $920 |
| 50/100 | $1,022 |
| 100/300 | $1,133 |
| 250/500 | $1,420 |
| 100 CSL | $1,067 |
| 300 CSL | $1,310 |
| 500 CSL | $1,487 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,330 |
| 30 | $1,980 |
| 40 | $1,968 |
| 50 | $1,882 |
| 60 | $1,862 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $46 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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