Best Auto Insurance for Jeeps in 2025

State Farm, Farmers, and Allstate have the best auto insurance for Jeeps. Monthly rates start at $124 with State Farm. Jeep owners can also stack savings through multi-policy discounts and safe driving incentives from all three.

Our Top 10 Company Picks: Best Auto Insurance for Jeeps

State Farm offers accident forgiveness and reduces your deductible by $100 per year without a claim. Farmers includes up to $1,000 in aftermarket parts coverage and OEM parts replacement.

Allstate provides 24/7 off-road towing, $500 in trip interruption coverage, and a deductible rewards program. Keep reading for tips to pay less for auto insurance and perks tailored to Jeep drivers.

Jeep auto insurance is more expensive than average, but you can find the lowest Jeep insurance rates with our free comparison tool.

#1 – State Farm: Top Overall Pick

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 today.
• Vanishing Deductibles: Stay claim-free, and your Jeep insurance deductible drops by $50 every six months — perfect for low-risk drivers.
• Drive Safe & Save Discount: If you’re a careful Jeep driver, you could score up to 30% off with its usage-based insurance (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 added manually, which may concern adventurous Jeep owners.

#2 – 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 $133 per month with Farmers, even after applying the 20% bundling discount. Check out everything you need to know about Farmers Insurance for full details.
• Limited Mobile Access: Digital claims tools and mobile servicing options are not as robust, which may impact Jeep owners needing quick off-grid help.

#3 – Allstate: Best for Add-On Protection

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: Despite the 25% bundling discount, monthly Jeep insurance may rise at renewal without claims. Take a closer look at rates in our Allstate auto insurance review.

#4 – Liberty Mutual: Best for Customizable Policies

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 insurance 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.

#5 – AAA: Best Online App

Pros

• 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 insurance review.
• AAA Membership Roadside Perks: Includes towing and off-road recovery options specific to Jeep vehicles.
• AAA Auto Club App: Allows digital ID cards, Jeep-specific policy access, and GPS roadside requests.

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.

#6 – Nationwide: Best for Usage-Based Discounts

Pros

• SmartRide Savings: Drive safely, and you could save up to 40% on your Jeep insurance with this tracking program.
• Bundling Discount: Pair your auto and home insurance to knock up to 20% off your Jeep premiums. Find out how to get the cheapest car insurance for your Jeep.
• 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 requires a separate endorsement if you drive your Jeep off-road.

#7 – USAA: Best for Military Savings

Pros

• Comprehensive Overseas Coverage: Military families using Jeeps abroad are fully covered under standard policies. Get all the details on coverage in our USAA insurance review.
• Loyalty Discount: Jeep drivers can reduce monthly premiums by 10% through long-term membership with USAA.
• Accident Forgiveness Option: USAA offers accident forgiveness, helping Jeep owners avoid rate hikes after their first at-fault accident.

Cons

• Eligibility Limitations: Only military members, veterans, or their families can qualify for Jeep auto insurance through USAA.
• No Built-In Mod Coverage: Jeep accessories and equipment upgrades require the Scheduled Personal Property Endorsement.

#8 – Geico: Best for Multiple Vehicles

Pros

• Multi-Vehicle Discount: 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 need Custom Equipment Coverage added, which raises rates.
• Minimal Local Agent Access: Geico operates primarily online, which may not suit Jeep owners wanting face-to-face guidance.

#9 – Progressive: Best for Innovative Tools

Pros

• Name Your Price Tool: Helps Jeep owners set a monthly budget and filter plans accordingly. See what sets it apart in everything you need to know about Progressive Insurance.
• 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.

#10 – 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.

Jeep Auto Insurance Rates From Top Providers

The cheapest Jeep insurance starts with State Farm at $124 a month for minimum coverage, followed by Allstate at $128 and Farmers at $133. USAA and Progressive both exceed $140 per month for minimum coverage, while Geico insurance and Liberty Mutual land near the middle with monthly rates of just over $130.

Jeeps Auto Insurance Monthly Rates by Coverage Level

Travelers has the highest minimum coverage rate at $154, making it the most expensive option on the list. Even though Farmers has the highest full coverage rate at $365, it still makes the cut thanks to perks like $1,000 in aftermarket parts coverage for modified Jeeps.

Minimum coverage has the best Jeep insurance price, but most Jeep drivers prefer full coverage auto insurance for extra protection from nature and weather-related damage. Learn what to consider before you buy auto insurance for your Jeep.

Although more expensive, Allstate’s $238 full coverage monthly rate includes off-road towing and trip interruption perks, making it one of the best auto insurance policies for Jeeps when both pricing and value matter.

Jeep Insurance Rates by Vehicle Age

Jeep insurance rates go up about $5 with each newer model, starting at $110 a month for 2020 and climbing to $135 for 2025. That’s a $300 difference over a year, just based on the model year.

Jeep Auto Insurance Rates by Model Year

Newer Jeeps cost more to insure because of pricier repairs, added tech, and higher value. Even how much you drive matters — sometimes, a newer Jeep with low mileage is cheaper to insure than an older one that’s used daily.

You can also bring your rate down by bundling with home insurance or choosing a higher deductible. See immediate steps to take in our breakdown of the best time to buy a new car.

Jeep Insurance Rates by Driver

Your age and driving history have a big impact on what you’ll pay to insure a Jeep. The rates in this table show just how much things like a ticket or DUI can raise your monthly premium.

Jeep Full Coverage Insurance Monthly Rates by Driving Record

Sixteen-year-old drivers with clean records pay around $300 for full coverage, but a DUI pushes that to $400. At age 18, Jeep insurance rates drop slightly, but a single accident can still increase monthly premiums to $300.

Jeep drivers in their mid-20s see a noticeable drop, with clean records averaging $150. Drivers 45 and older enjoy the best Jeep auto insurance rates. However, DUIs consistently push all rates to their highest points, regardless of age. If you have a DUI, check out these hacks to save more money on car insurance this year.

Best Auto Insurance Discounts for Jeeps

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

Jeeps Auto Insurance Discounts From Top Providers

Nationwide leads with UBI discounts at 40%, rewarding Jeep owners who drive safely with SmartRide. Allstate, Liberty Mutual, and Geico car insurance offer the highest bundling discounts at 25%, which is ideal for Jeep drivers with home or renters insurance.

Paying your premium upfront can knock up to 20% off with USAA, while most other providers cap that at 15%. USAA also has the best military discounts at 30%, followed by State Farm and Allstate tied at 25%, making them great picks for active-duty or veteran Jeep owners.

For eco-friendly Jeeps or hybrid models, Nationwide, Travelers, and USAA offer the best green vehicle discounts at 10%. Farmers and Liberty Mutual also stand out by offering at least 8% in that same category.

Auto Insurance Coverages for Jeep Owners

Driving a Jeep means you’ve got more to think about than just basic coverage. Whether it’s off-roading, custom parts, or staying prepared, these coverage types help protect you where it matters most.

Auto Insurance Coverage Options for Jeeps

Jeep drivers often go for full coverage auto insurance because basic liability won’t cut it, especially when a Jeep has pricey upgrades like lift kits, custom wheels, or winches. 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. 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.

The Best Jeep Auto Insurance Companies

State Farm, Allstate, and Farmers have the best auto insurance for Jeeps, thanks to their unique perks and solid pricing. State Farm has the cheapest minimum coverage at $124 a month and drops your deductible by $50 every six months without a claim (Read More: State Farm vs. Farmers, Allstate, Progressive, & Geico Insurance).

Allstate and Farmers are more expensive, but Allstate provides 24/7 off-road towing and $500 in trip interruption coverage. Farmers covers up to $1,000 in aftermarket Jeep parts, including OEM parts replacement.

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