Best Auto Insurance for Jeeps in 2025

Liberty Mutual, Nationwide, and AAA have the best auto insurance for Jeeps. Monthly rates start at $68 for minimum coverage.

Jeep auto insurance is more expensive than average, especially insurance for Jeep Wrangler and Jeep Wagoneer drivers. Minimum coverage can cost over $100 a month.

You can stack savings from these top companies through multi-policy discounts and safe-driving incentives to lower your Jeep insurance costs.

Our Top 10 Company Picks: Best Auto Insurance for Jeeps

Liberty Mutual offers the biggest savings to homeowners who bundle, and Nationwide has the best discounts for safe drivers. Keep reading for more tips to pay less for auto insurance and perks from different companies tailored to Jeep drivers.

You can find the lowest insurance rates with a Jeep quick quote using our free comparison tool.

Jeep Insurance Rates From Top Providers

The cheapest Jeep insurance starts with State Farm at $122 a month for minimum coverage, followed by Allstate at $126 monthly and Geico at $128 per month.

Rates skyrocket for full coverage. State Farm maintains the lowest Jeep insurance price at $200 a month, but Allstate doubles its rates to $245 a month.

Jeep Auto Insurance Monthly Rates by Coverage Level

Minimum coverage offers the lowest Jeep insurance price, but most Jeep owners prefer full coverage for extra protection against theft and weather-related damage.

Full coverage car insurance for Jeeps is also eligible for roadside assistance, which is important if you drive your Jeep often or like to go off-road. Learn what to consider before you buy auto insurance for your Jeep.

AAA stays competitive with the cheapest full coverage Jeep car insurance at $165 a month, which includes off-road roadside assistance.

Even though Farmers has the highest full coverage rate at $330 a month, it still makes the cut thanks to perks like $1,000 in aftermarket parts coverage for modified Jeeps.

High-Risk Car Insurance Rates for Jeeps

Along with coverage level, providers consider your age and driving history, and it has a big impact on what you’ll pay to insure a Jeep.

Teens and drivers with accidents or DUIs are considered high-risk and have the highest premiums. Sixteen-year-old drivers pay around $205 for minimum coverage.

Jeep drivers in their mid-20s see a noticeable drop with clean records, averaging around $80 a month. Drivers 45 and older enjoy the best Jeep auto insurance rates. However, DUIs consistently push all rates to their highest points, regardless of age.

One DUI pushes minimum coverage insurance for Jeeps closer to $250 per month.  If you have a DUI, check out these hacks to save more money on car insurance this year.

Jeep Auto Insurance Monthly Rates by Driving Record

AAA, Geico, and State Farm have the cheapest high-risk auto insurance for Jeep drivers, starting at $220 a month after a DUI and $146 a month after a speeding ticket.

If you’re a high-risk driver, try choosing a cheaper model to insure. For instance, Jeep Cherokee insurance rates tend to be lower than other models, helping you save money while you clean up your record.

Comparing Insurance Costs for Different Jeeps

Jeep insurance costs vary based on the model you drive. The cost to insure Jeep Wranglers will be higher than a Jeep Cherokee or Compass because of its expensive repair costs and increased risk of off-road claims.

How much is insurance for Jeep Wranglers? Car insurance for a Jeep Wrangler starts at $82 a month, which is right in the middle, compared to the Jeep Wagoneer, which is the most expensive Jeep to insure.

Jeep Auto Insurance Monthly Rates by Model

Wondering how much to insure a Jeep Wrangler compared to other cars? Jeep Wrangler insurance rates remain competitive, especially compared to auto insurance for luxury and exotic vehicles like Land Rover.

Jeep Wrangler car insurance is as affordable as Ford Bronco rates and Nissan X-Terra insurance, which is why it’s the most popular Jeep model to drive.

Jeep Wrangler vs. Similar Models: Auto Insurance Monthly Rates

However, Jeep Wrangler Unlimited insurance will cost more because of pricier repairs, added tech, and higher value. Newer Jeeps have more expensive premiums for the same reasons.

Comparing auto insurance companies online can help you find the best insurance for Jeep Wranglers or any model you own.

If you’re in the market for a new Jeep, expect to pay more than these averages. You can bring your rate down by bundling with home insurance or choosing a higher deductible.

See immediate steps to take to lower your Jeep car insurance cost in our breakdown of the best time to buy a new car.

Best Ways to Save on Jeep Car Insurance

Auto insurance for Jeeps will be higher than average, especially for younger drivers, but you can still find ways to reduce your rates and save money.

Start by comparing premiums for different models. When it comes to insurance, Jeep Wranglers and Wagoneers have the priciest coverage. Use these tips to get better quotes:

• Track Your Mileage: If you don’t drive your Jeep as an everyday vehicle, you can sign up for pay-as-you-go auto insurance, like Nationwide SmartMiles, which sets rates based on how often you actually drive.
• Take a Defensive Driving Class: Because Jeep insurance is associated with a higher risk of claims, improving your driving habits with an online or in-person driving course can reduce premiums by 5%-10%.
• Increase Your Deductible: If you want cheaper full coverage auto insurance for Jeeps, increase your deductible to $1,000. You’ll pay more after a claim, but it will lower your monthly rates.
• Shop Around for Discounts: Jeep owners can earn discounts for safe driving, automatic payments, usage-based insurance (UBI) programs, and more.

To reduce Jeep insurance costs, drivers should bundle home and auto for up to 25% off, enroll in UBI programs, or pay in full to save up to 20%.

Look for the car insurance discounts you can’t miss to find the best cheap auto insurance for Jeeps and cut your monthly costs.

Jeep Auto Insurance Discounts From Top Providers

State Farm not only offers the lowest entry rate but also ranks high with a 17% bundling discount. Allstate remains competitive with a 25% bundling discount.

Liberty Mutual and Geico car insurance also offer the highest bundling discounts at 25%, which is ideal for Jeep drivers with home or renters insurance.

Nationwide leads with UBI discounts at 40%, rewarding Jeep owners who drive safely with SmartRide.

Paying your premium upfront can knock up to 20% off with American Family, while most other providers cap that at 10%-15%.

Getting the Right Jeep Insurance Coverage

Driving a Jeep means you’ve got more to think about than just basic coverage. Jeep drivers often go for full coverage auto insurance because basic liability won’t cut it.

You’ll definitely need full coverage with additional add-ons for custom parts, especially if your Jeep has pricey upgrades like lift kits, custom wheels, or winches.

Auto Insurance Coverage Options for Jeeps

Whether it’s off-roading, custom parts, or staying prepared, these coverage types help protect you where it matters most.

Custom parts coverage protects all the aftermarket gear that isn’t included in the car’s original value. Off-roading isn’t covered under standard policies, so drivers add on special endorsements to cover damage from rough terrain.

Roadside assistance is important if you’re trail driving or exploring remote areas in your Jeep. When you’re far from main roads, a dead battery, flat tire, or mechanical issue can leave you stranded without easy access to help.

Not all providers offer roadside assistance that extends to off-road locations, so Jeep drivers, especially those comparing car insurance for Jeep Wranglers, should compare companies to verify which offer recovery from trails or non-paved areas.

If you don’t mind paying more for off-road insurance, Jeep drivers should consider Allstate. Although more expensive, Allstate’s $245 full coverage monthly rate includes off-road towing and trip interruption perks.

These add-ons are super useful, but can raise your rates since they increase the risk and repair costs. Find out what to do when you’re denied insurance coverage and need options fast.

Jeep Auto Insurance Coverage Options by Provider

Farmers is the only Jeep insurance company that doesn’t offer roadside assistance, but it still may be available in your state.

Always compare car insurance companies online to get a better idea of the policy options and prices in your local area.

Top 10 Jeep Auto Insurance Companies

Liberty Mutual, Nationwide, and AAA have the best auto insurance for Jeeps, thanks to their high claims satisfaction. These top companies offer custom parts and equipment coverage and convenient roadside assistance packages.

State Farm is the largest Jeep insurance company with the cheapest minimum coverage at $122 a month (Read More: State Farm vs. Farmers, Allstate, Progressive, & Geico Insurance).

Allstate may be more expensive, but it remains a popular choice among Jeep owners for its 24/7 off-road towing and $500 in trip interruption coverage.

Comparing car insurance companies online helps pinpoint the best car insurance for Jeeps by rate, discounts, and policy options. Compare Jeep insurance quotes quickly with our free comparison tool.

#1 – Liberty Mutual: Top Pick Overall

Pros

• Bundling Discount: Drivers can save 25% by combining their Jeep insurance with home, renters, or condo coverage. See how it compares in our Liberty Mutual review.
• Custom Parts & Equipment Coverage: Optional insurance add-on for Jeeps to cover modifications like lifted suspensions, LED bars, and winches on Jeeps.
• Better Car Replacement: If your Jeep is totaled, the plan provides a newer model with fewer miles when you join the program.

Cons

• No OEM Parts Guarantee: Jeeps may receive aftermarket components unless you add OEM Parts Coverage, which is more expensive than at other companies.
• Limited Off-Road Recovery: Standard roadside assistance doesn’t include trail winching or off-road Jeep recovery unless upgraded.

#2 – Nationwide: Best for Usage-Based Discounts

Pros

• SmartRide Savings: Drive safely, and you could save up to 40% on your Jeep insurance with this usage-based insurance (UBI) program.
• Bundling Discount: Pair your auto and home insurance to knock up to 20% off your Jeep premiums. Find more discounts in our Nationwide auto insurance review.
• OEM Parts Option: Add the OEM endorsement to make sure your Jeep gets factory-original parts if it’s ever in the shop.

Cons

• Base Rate Starts High: Jeep full coverage car insurance before SmartRide and bundling begins at $141 per month.
• Off-Road Coverage Not Included: Nationwide auto insurance for Jeeps requires a separate endorsement if you drive off-road.

#3 – AAA: Best Online App

Pros

• AAA Auto Club App: Provides digital ID cards, Jeep-specific policy access, and GPS-based roadside assistance requests.
• AAA Membership Roadside Perks: Includes towing and off-road recovery options specific to Jeep vehicles.
• Multi-Policy Discount: Bundling auto with home or life insurance reduces Jeep car insurance monthly costs by 15%. Find savings tips and details in our AAA auto review.

Cons

• Membership Required: Jeep owners must maintain an active AAA membership to access auto insurance services.
• Limited Aftermarket Coverage: Custom Jeep mods like off-road lighting or tube doors are not covered without add-ons.

#4 – State Farm: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Your first accident won’t raise your rates, which is great if your Jeep sees a lot of action. See what sets it apart in our State Farm auto insurance review.
• Vanishing Deductibles: Stay claim-free, and your Jeep insurance deductible drops by $50 every six months.
• Drive Safe & Save Discount: If you’re a careful Jeep driver, you could score up to 30% off with its UBI tracking app.

Cons

• No Equipment Coverage Without Endorsement: Custom Jeep add-ons like lift kits or winches aren’t covered without a policy upgrade.
• Limited Off-Roading Coverage: State Farm doesn’t offer off-road recovery unless you add it manually, which may concern adventurous Jeep owners.

#5 – American Family: Best for Young Drivers

Pros

• Exclusive Savings for Young Drivers: Jeep drivers under 25 get discounts for attending an out-of-state college, volunteering, and maintaining a 3.0 GPA.
• Generational Discounts: Teens added to an existing policy or who can prove other family members have AmFam coverage will get discounts on Jeep insurance.
• Costco Membership Rewards: Jeep owners with Costco memberships get access to lower rates, exclusive discounts, and policy options.

Cons

• Higher Average Rates: The average Jeep insurance cost with AmFam is more expensive than with other providers, like AAA and State Farm.
• Limited Availability: American Family Jeep insurance is not available in every state. See if it’s available near you in our American Family Insurance review.

#6 – Geico: Best for Multiple Vehicles

Pros

• Multi-Vehicle Savings: Insure multiple vehicles, including Jeeps, to get a 25% discount. Learn everything you need to know about Geico here.
• Mechanical Breakdown Insurance (MBI): Acts as an extended warranty for new Jeeps under 15 months old.
• Highly Rated Mobile App: Supports online Jeep policy management, digital ID cards, and instant claim tracking.

Cons

• No Default Jeep Mod Coverage: Jeeps with aftermarket features require Custom Equipment Coverage, which raises rates.
• Minimal Local Agent Access: Geico operates primarily online, which may not suit Jeep owners wanting face-to-face guidance.

#7 – Allstate: Best for Off-Road Coverage

Pros

• Off-Road Vehicle Add-On: Jeeps that become stuck on trails or rough terrain can be winched off-road as part of Allstate’s roadside help package.
• Trip Interruption Add-On: Covers $500 for transportation, food, and housing in the event that your Jeep breaks down more than 100 miles from home.
• Deductible Rewards Program: Lowers deductibles by $100 instantly and adds $100 each claim-free year up to $500 total.

Cons

• Modifications Not Standard: Coverage for aftermarket Jeep accessories must be added via the Custom Equipment Coverage endorsement.
• Premium Increases After First Year: Your monthly Jeep insurance price may rise at renewal, even without claims. Take a closer look at rates in our Allstate review.

#8 – Travelers: Best for Safe Drivers

Pros

• Responsible Driver Plan: Protects Jeep drivers from premium increases after their first at-fault accident and lowers rates with safe-driving discounts.
• Multi-Policy Discount: Bundling home or umbrella insurance with your Jeep policy can reduce rates by 13%.
• New Car Replacement: If your Jeep is totaled early in the policy, Travelers replaces it with a brand-new model.

Cons

• No Jeep Mod Coverage in Base Policy: Aftermarket mods like lift kits and steel bumpers must be added through Special Equipment Coverage.
• Limited Off-Road Recovery: Standard roadside assistance excludes trail rescues for off-roading Jeeps. See how it compares in our full Travelers auto insurance review.

#9 – Farmers: Best for Aftermarket Coverage

Pros

• Aftermarket Equipment Coverage: Automatically includes up to $1,000 in coverage for custom Jeep parts under its Customized Equipment Endorsement.
• OEM Parts Coverage: Included in Farmers Guaranteed Repair Program, Jeep owners get repairs with original parts at certified repair shops.
• Signal App Discount: Jeep drivers can get up to 15% off premiums for safe driving tracked through Farmers’ Signal UBI app.

Cons

• Higher Starting Rate: Jeep insurance starts at $140 per month with Farmers. Check out everything you need to know about Farmers Insurance for full details.
• Limited Mobile Access: Digital claims tools and mobile servicing options are less robust, which may affect Jeep owners who need quick off-grid help.

#10 – Progressive: Best for Innovative Tools

Pros

• Name Your Price Tool: Helps Jeep owners set a monthly budget and filter plans accordingly. Learn more in our guide to everything you need to know about Progressive.
• UBI Discount: Save up to 30% on Jeep insurance by driving safely and sharing data through the Progressive Snapshot tracking device and mobile app.
• Bundling Discount: Drivers bundling home, renters, or motorcycle insurance can reduce their Jeep auto rates by 10%.

Cons

• OEM Coverage Requires Upgrade: Factory Jeep parts are not guaranteed without purchasing the OEM Parts Endorsement.
• Snapshot Penalties Possible: Poor driving habits tracked via Snapshot can lead to rate hikes on Jeep policies.