Jeep Commander Insurance Rates

The average auto insurance rates for a Jeep Commander are $920 annually for full coverage. Comprehensive costs on average $150 each year, collision costs $170, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,968. 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:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Commander models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $569
• Choosing higher $1,000 deductibles can save around $74 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $920
• Buying low deductibles for comp and collision coverage will cost $1,056
• Drivers with multiple tickets or accidents could pay upwards of $1,968 or more
• Policy cost with full coverage for a teenage driver may cost $3,734 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,700 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 a minimum $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $210 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Commander insurance rates. A good driver about age 40 could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,310 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and 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 Cheap Jeep Commander Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following items are a brief summary of the material that was touched on above.

• Consumers who require additional liability coverage will pay around $490 each year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers pay higher rates, costing up to $311 each month if they have full coverage
• Drivers that tend to have accidents or serious violations may be required to pay an average of $1,050 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $200 each year