Jeep Commander Insurance Rates

The average auto insurance rates for a Jeep Commander are $938 annually for full coverage. Comprehensive costs around $154, collision costs $180, and liability costs $446. Liability-only insurance costs as little as $500 a year, with high-risk driver insurance costing around $2,010. Teenage drivers cost the most to insure at $3,800 a year or more.

Average premium for full coverage: $938

Policy rates for type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Commander models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Jeep Commander insurance rates for additional coverage choices and driver risks.

• The best discount rate is $577
• Drivers who choose higher $1,000 deductibles will pay about $76 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $938
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,082
• Drivers who are prone to accidents and violations could pay at least $2,010 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $3,800 a year

View Chart as Image

Auto insurance rates for a Jeep Commander also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,100 to $1,600 in extra premium every year, depending on your age. Jeep Commander insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Commander insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,340 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Cheapest Jeep Commander Insurance

Finding cheaper rates on insurance for a Jeep Commander not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the material that was covered in the above illustrations.

• Insureds who may need an increased level of liability coverage will pay an extra $490 each year to go from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $317 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay an average of $1,070 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $225 each year