Cheap Jeep Auto Insurance in 2024 (Save Money With These 10 Companies!)

The top companies for cheap Jeep auto insurance are Allstate, USAA, and AAA, especially for drivers looking for coverage options.

Allstate takes our top spot for the cheapest Jeep auto insurance, particularly for people who want full coverage for their cars. Getting the best auto insurance for a Jeep Wrangler and other models is easy when you shop at Allstate.

Our Top 10 Company Picks: Cheap Jeep Auto Insurance

Read on to learn more about Jeep auto insurance and where to find the cheapest rates. Then, compare off-road vehicles insurance for your Jeep by entering your ZIP code into our free tool above.

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#1 – Allstate: Top Pick Overall

Pros

• Deductible Rewards: You can save $100 on your deductible for every year you spend claims-free, up to $500.
• New Car Replacement: If your Jeep is totaled within the first three model years, Allstate will replace it with a new one. See more Jeep insurance options in our Allstate car insurance review.
• Accident Forgiveness: Your Jeep insurance rates won’t go up just because of an accident, even if it’s not your fault.

Cons

• Limited Off-Road Coverage: Allstate has great coverage options, but it might not have the most comprehensive coverage for off-road insurance for Jeeps.
• Mixed Customer Service: Some customers report issues with claims processing and customer service from Allstate.

#2 – USAA: Best for Active and Retired Military

Pros

• Exceptional Customer Service: USAA consistently ranks highly for its customer service experience.
• Military Discounts: Military members will find special discounts and benefits for them and their families at USAA. See how USAA serves military drivers in our USAA auto insurance review.
• Flexible Coverage Options: Get the perfect car insurance for Jeep Wranglers or any other model with USAA’s selection of add-ons. Popular options include roadside assistance and accident forgiveness.

Cons

• Limited Physical Locations: USAA doesn’t have as many physical branches as many of its competitors have.
• Limited Membership: The only way to purchase USAA insurance is to be a member, and you can only join USAA if you’re active or retired military or a direct family member.

#3 – AAA: Best Roadside Assistance Plans

Pros

• Roadside Assistance Plans: AAA offers roadside assistance plans that come in three levels so you can get the perfect coverage for your needs.
• Multi-Policy Discounts: Among its 17 discounts is the AAA multi-policy discount. Buying auto and home or renters insurance from AAA can help you find cheap Jeep insurance.
• Customizable Coverage: Get tailored coverage options to meet your individual Jeep car insurance needs from AAA. Explore all of AAA’s car insurance add-ons in our AAA auto insurance review.

Cons

• Membership fees: You’ll have to pay an annual membership fee to buy Jeep car insurance from AAA.
• Limited Availability: AAA is run in regional clubs, so the exact coverage and discounts available to you might vary.

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#4 – Progressive: Best for Innovative Digital Tools

Pros

• Online Tools: Progressive offers numerous online tools to help you manage your policy. For example, drivers looking for cheap insurance for Jeep Wranglers can use the Name Your Price tool to find cheap coverage.
• Snapshot: Save up to 30% on your Jeep auto insurance by enrolling in Progresive’s usage-based insurance (UBI) program, Snapshot.
• Rideshare Insurance: Progressive offers an excellent selection of coverage options for your Jeep, including rideshare insurance.

Cons

• Higher Rates for Some: Progressive usually has affordable Jeep insurance quotes, but drivers who need cheap high-risk auto insurance should probably look elsewhere.
• Customer Loyalty: Progressive struggles with its customer loyalty ratings. See how Progressive is addressing the problem of unsatisfied customers in our Progressive auto insurance review.

#5 – State Farm: Best for Personalized Service

Pros

• Personalized Service: State Farm gives Jeep owners personalized service through its extensive network of agents.
• Bundling Discount: State Farm offers a ton of coverage options. You can save on your Jeep off-road insurance by filling all your policy needs with State Farm.
• Roadside Assistance: Adding State Farm’s roadside assistance to your off-road insurance for a Jeep ensures someone will come to your rescue when you’re stranded.

Cons

• Fewer Coverage Options: State Farm does not offer the most coverage options, especially compared with other companies. See what you can add to your policy in our State Farm auto insurance review.
• Limited Discounts: State Farm only offers 13 discounts to help you save on your off-road Jeep insurance.

#6 – Farmers: Best Discount Selection

Pros

• Coverage Options: Increase the value of your insurance on a Jeep Grand Cherokee, Wrangler, or any other model by adding one or more of Farmers’ add-ons.
• Ample Discounts: Farmers offers an impressive 23 discounts to help you save. See all of your savings opportunities in our Farmers auto insurance review.
• Roadside Assistance Add-on: Adding accident forgiveness to your policy is a great way for Jeep owners to get help with flat tires or dead batteries wherever they go.

Cons

• Higher Rates: Most drivers will see higher rates at Farmers than they would at other companies.
• Lacking Some Options: While Farmers has a decent selection of add-ons, it’s missing a few popular choices like gap insurance and a vanishing deductible.

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#7 – Nationwide: Best for UBI Savings

Pros

• UBI programs: Save up to 40% on your insurance with the telematics program SmartRide. If you’re a low-mileage driver, you can find affordable coverage with Nationwide’s SmartMiles program.
• On Your Side Review: Take advantage of this annual insurance review to ensure your coverage meets your changing needs.
• Low Rates for Teens: Nationwide consistently offers affordable rates to teen drivers. Parents and guardians looking to add a teen to their plan will also find low rates with Nationwide.

Cons

• Limited Availability: Nationwide coverage is not actually nationwide. Nationwide offers insurance for Jeeps in just 47 states.
• Bad After a DUI: Nationwide does not have the most affordable rates for drivers with a DUI on their record. See how much you might pay in our Nationwide auto insurance review.

#8 – Travelers: Best for Accident Forgiveness

Pros

• Responsible Driver Plan: Sign up for this add-on and get accident forgiveness and minor violation forgiveness added to your plan. Learn more about the Responsible Driver plan in our Travelers auto insurance review.
• Specialty Coverage: Travelers offers several great options to add to your Jeep Wrangler car insurance policy or any other type of Jeep you drive, including non-owners coverage.
• Low Level of Complaints: Compared with other similarly-sized competitors, Travelers receives fewer complaints.

Cons

• No SR-22 Insurance: Many high-risk drivers require SR-22 forms to be filed on their behalf. If you need this service, you’ll have to go elsewhere – Travelers does not file SR-22 forms.
• High Rates for Teens: If you need Jeep insurance for young drivers, Travelers probably isn’t the best option.

#9 – Chubb: Best for High Value Coverage

Pros

• Enhanced Protection: Chubb specializes in covering high-value vehicles. With Jeep Wranglers sometimes costing over $100,000, you’ll get more bang for your buck with a Chubb Jeep Wrangler insurance quote.
• Lifetime Repair Guarantee: As long as you get repairs done at a Chubb-certified repair shop after an accident, Chubb guarantees them for life.
• Personalized Service: Chubb focuses on providing an exemplary customer service experience to each policyholder. Explore the perks of being a Chubb customer in our Chubb auto insurance review.

Cons

• Higher Premiums: Chubb is not a company that focuses on cheap coverage, which leads to higher average rates.
• Less Transparency: Chubb doesn’t post as much information online about its policies as other providers.

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#10 – Liberty Mutual: Best for Unique Coverage Options

Pros

• New Car Replacement: If your Jeep is totaled within the first year or 15,000 miles of owning it, Liberty Mutual will replace it with a new one. If your car is over a year old, you can opt for the better car replacement instead.
• Discounts for Teachers. Travelers offers special discounts and perks for educators.
• RightTrack: Liberty Mutual’s RightTrack program offers safe drivers a maximum savings of 30%.

Cons

• High Complaints: Liberty Mutual receives more complaints than other insurance companies.
• Higher Average Premiums: If you have a speeding ticket on your record, you’ll probably find cheaper rates at another company. See average insurance costs for Jeep Wranglers and other models in our Liberty Mutual auto insurance review.

Jeep Auto Insurance Rates

Is insurance on a Jeep high? Many factors affect your auto insurance rates for a Jeep, like your age, where you live, and your driving record. 

For these reasons, Jeep Wrangler auto insurance costs for an 18-year-old will be much higher than the average insurance cost for a Jeep Wrangler. 

In the table below, we compare rates from our top companies. Check it out.

Jeep Auto Insurance Monthly Rates by Coverage Level & Provider

As you can see, there can be significant variations between companies, which is why it’s so important to compare as many rates as possible. You can get online quotes by filling out request forms on individual sites.

Or, you can save time and use a quote comparison tool to look at multiple rates all at once.

Compare Jeep Auto Insurance Rates by Model

Explore the diverse landscape of Jeep auto insurance rates across different models. From the iconic Jeep Wrangler to the refined Jeep Grand Cherokee, each vehicle presents unique insurance considerations.

Which concept would you test drive? 👀 Tell us your answer below!

Concept vehicles and features shown, not available for purchase. Features and products shown are for illustrative purposes only. pic.twitter.com/nCrfPdZbl7

— Jeep (@Jeep) April 24, 2024

In this guide, we’ll compare insurance costs for popular Jeep models, providing insights to help you navigate the insurance market effectively.

Jeep Auto Insurance Monthly Rates by Coverage Level & Model Year

How much is insurance for a 2020 Jeep Wrangler? The average cost for Jeep Wrangler auto insurance is $104 per month or $1,256 annually. So, are Jeep Wranglers expensive to insure? Not really, they’re actually lower than average for SUVs.

Is a Jeep Grand Cherokee expensive to insure? According to our data, the best Jeep Grand Cherokee auto insurance costs are on the more expensive side compared to other models. The age of your vehicle also impacts your Jeep auto insurance policy rates. The older your model, the less it will cost to insure. For example, the 2018 Jeep Wrangler insurance costs will be less than the estimates in the above table.

Jeep Off-Road Insurance Coverage

We’ve already answered your questions about how much is auto insurance for a Jeep. But will insurance cover off-road damage? 

Usually, the answer is no. Off-road recreational vehicles can be difficult to insure, most companies only cover normal vehicle use which means driving on regulated roads. 

Auto insurance for off-road vehicles exist for ATVs and UTVs, but those policies do not always include SUVs, like Jeeps. An Allstate agent talks more about this type of coverage in the video below.

If you’re hoping to secure insurance for off-road Jeep uses, the truth is that each insurance company deals with off-roading insurance differently. Some will not cover it at all. 

Who insures offroad vehicles? Allstate and State Farm are known to offer a few off-roading options. But you’ll have to ask an agent for more details about Allstate off-road insurance or State Farm insurance on a Jeep Wrangler used for off-roading.

USAA off-road insurance exists for ATVs and UTVs, but only active or retired military personnel and their families are eligible to use USAA. ATV and UTV off-road insurance from Geico also exists.

Compare your off-road insurance quotes and read all of the fine print and details before making your choice.

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Understanding the Basics of Auto Insurance for a Jeep

We’ve answered your questions about does insurance cover off-roading in a Jeep, now let’s explore basic auto insurance policies.  

Auto insurance allows peace of mind. It provides protection for you, your automobile passengers, pedestrians, and other drivers in case of an accident. It is also sold as protection for your family from substantial financial losses in case of an accident. If you want to drive legally in the United States, you need to have a driver’s license, motor vehicle registration if you own the car and auto insurance.

Each state mandates a different amount of insurance coverage.

For instance, the California Department of Motor Vehicles requires a minimum liability insurance of the following:

• $15,000 per individual injury/death for each incident
• $30,000 per injury/death of more than one individual per accident
• $5,000 to cover property damage per incident.

Most states ask for similar limits; however, most experts recommend higher coverage. Why buy auto insurance that is more than minimum coverage?

While insurance limits are largely dependent on their affordability, financial planners suggest that drivers buy $100,000 for bodily injury protection per person and $300,000 per accident.

However, it is important to keep your budget in mind before committing to any amount of insurance coverage.

So before you head off to tackle the rugged contours of the road in your Jeep, insure yourself for the highest amount that you can.

Different Forms of Auto Insurance for a Jeep

The insurance industry has created a number of insurance options. Whether you are a weekend off-road warrior, a regular all-terrain junkie, or just a city-driving Jeep lover, you should make sure you understand all the insurance coverage choices you have to keep you, your family, and your car safe.

Remember that besides the state-mandated minimums, you have a range of coverage that will be calculated separately. Make sure you know the different types of insurance and the exact amount of insurance your state requires. The following types of car insurance are usually purchased for Jeeps:

• Liability: Liability insurance covers damages and injuries you cause in an at-fault accident. It does not pay for your medical bills or car repairs.
• Comprehensive: If your vehicle is damaged by things like weather, vandalism, theft, animals, or fire, comprehensive car insurance will pay for your repairs.
• Collision: Collision insurance pays for your car repairs after an accident no matter who caused it. It also covers you if you hit a stationary object.
• Personal Injury Protection/Medical Payments: Personal injury protection (PIP) insurance and medical payments cover health care costs for you and your passengers after an accident.
• Uninsured/Underinsured Motorist: Uninsured motorist insurance protects you against drivers who don’t have enough coverage.

Besides these popular standard options, you can also look for replacement parts coverage, GAP insurance or extended warranties for your Jeep. If you are planning to head off-road, make sure you talk to your insurance agent or insurance company to understand the terms and conditions.

In some cases, deliberately going off the beaten track might void important parts of your insurance agreement.

Factors Influencing Auto Insurance Rates for a Jeep

Calculating auto insurance is a specialist’s job. In fact, actuaries are entrusted with a specific formula that varies from one insurance company to another. Whether you drive off-road or on city roads, drive your Jeep carefully. A clean driving history with no points, citations, or tickets will help you reduce your insurance costs.

If you have a Jeep or plan to buy one, it is important to find out how your vehicle rates on the insurance scale. After all, your insurance rate is going to be impacted by make, model, year, and safety ratings.

2024 Jeep Wrangler Safety Ratings

Additionally, safety features such as anti-theft devices will help lower your insurance costs with anti-theft auto insurance discounts.

While you are unlikely to change your address to get a lower insurance rate, you should know that it would impact your rate. If you live in parts regularly walloped by catastrophic weather, you are likely to pay more.

Living in a big city or a high-crime area will raise your rates since you are more likely to be the victim of auto theft or vandalism.

Demographics such as age, gender, and marital status are also considered.

Women pay less than men, married individuals pay less than single people, and young drivers under 25 pay the highest rates.

For example, average car insurance rates by age for Jeeps for young drivers is much higher than average. How much is insurance on a Jeep Wrangler for a 16-year-old? It costs up to $557 per month or $6,694 annually. As you can see, it is expensive to insure a Jeep Wrangler for teen drivers. 

Cheap Jeep insurance can be secured by proving you’re a low-risk driver, which means having a good credit history and a clean driving record. 

Raising your credit scores is important because they are used to determine fiscal responsibility. The higher your credit score, the better your insurance rates.

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Lowering Your Auto Insurance Rates for a Jeep

Whether you are shopping for diamonds, groceries, or insurance, looking for the best deals is natural. Even as you search for the lowest prices, try to remember that you need an optimum amount of protection. While you should remain within budget, remember that something that is too good to be true, will likely not provide the kind of coverage you need.

Happily, there are ways to cut down on your insurance bill. Some easy steps are as follows:

• Raise Your Insurance Deductible: The deductible is the stated amount that the driver has to pay before the insurance company picks up the tab. If you can afford it, increase this amount to $1,000, and drive carefully.
• Comparison Shopping: Make sure you look at as many insurance options as possible. Don’t automatically renew with your insurance company. Talk to them and ask them for new discounts or better rates. If you are a good customer, you might get a better deal with your present insurance company.
• Discounts Mania: Discounts can drastically reduce your insurance bill. Look at industry standards such as good driver, low mileage, and a good student discount. Also, ask your insurance company for a list of their car insurance discounts to make sure you are getting every option available.
• Cancel Comprehensive and Collision Coverage: Unless you have an expensive or financed car, comprehensive and collision coverage are unnecessary expenses. Suspend them!

The Internet can be intimidating with its millions of choices that pop up in a few seconds. Nevertheless, these sites are a great resource for learning about the auto insurance industry.

Be careful about the choices you make. Read the fine print before you sign on the dotted line.

Find Cheap Jeep Auto Insurance Today

Learning how to evaluate multiple auto insurance quotes can help you save significantly. Whether you have the latest Jeep Wrangler with all the extra features or an old, beat-up Jeep with lots of character, finding affordable coverage doesn’t have to be a challenge.

Ready to find the best Jeep auto insurance online? Enter your ZIP code into our free tool below right now to compare the best Jeep auto insurance quotes instantly.

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