I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 19, 2021

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Shopping for Jeep insurance doesn’t always mean shopping for the lowest rate.

Finding an insurance provider that offers adequate coverage and has good customer ratings and reviews is just as important.

The best insurance companies go above and beyond to offer their customers a convenient claims process that’s accompanied by good customer service and fast payouts.

Many also have plenty of coverage options and discounts available to reward good driving habits, safety features, and full or automatic payment methods.

Many factors go into determining the price of your auto insurance.

Age, gender, geographic location, and driving record are just some of these factors, but perhaps the biggest variable is the make and model of your vehicle.

When you’re calculating the cost of your insurance, it’s important to understand how insurance companies calculate risk as it pertains to the vehicle you drive.

Elements such as safety ratings, theft rates and the cost of repairs all have some effect on how much you pay for your insurance policy.

How Much Does Jeep Insurance Cost?

jeep car
jeep car

If you’re shopping around for Jeep insurance, you’re likely to notice that the price points differ greatly from one insurance company to the next.

Even though the least expensive policy may seem like the best, that’s not always true.

It’s best to investigate the insurance provider you’re considering by researching the company’s background, customer satisfaction ratings, and financial strength before committing to a policy.

It’s also crucial to make sure to fully understand exactly what’s covered by your policy under the price that’s been quoted to you.

As mentioned above, several elements that relate to your vehicle are considered when determining your insurance rate.

Here’s a breakdown of what these elements include, as well as some other things to consider about driving a vehicle made by Jeep.

Safety Rating and Damage Threshold.

The Insurance Institute for Highway Safety (IIHS) tests hundreds of passenger vehicles each year and provides information and ratings on each vehicle’s safety and damage thresholds.

These ratings are among the most relevant factors in determining Jeep insurance rates.

The IIHS rates vehicles in a number of safety categories and assigns one of four ratings: G (Good), A (Acceptable), M (Marginal) or P (Poor).

Here are a couple of examples of the IIHS’s safety ratings for Jeep vehicles.

2012 Jeep Liberty

The 2012 Liberty is safety-tested in four categories and received varying results. It received a rating of G in Moderate Overlap Front and Roof Strength, while Head Restraints and Seats received a rating of A and Side received a rating of M. These results may equate to a slightly higher insurance rate.

2017 Jeep Wrangler

The 2017 Wrangler is another vehicle with varying safety test results.

With G ratings in Small Overlap Front (Driver Side) and Moderate Overlap Front, there is a positive side to the 2017 Wrangler’s safety ratings.

However, ratings of P in Side and Headlights and a rating of M in Child Seat Anchors increase the likelihood that Jeep insurance for the 2017 Wrangler may be on the pricier side.

Comprehensive and Collision Coverage

Another crucial factor in determining the price of comprehensive and collision coverage for your Jeep is its overall cash value.

The value of a car is determined mostly by its year and model, as well as any features that are included with the vehicle.

According to Kelley Blue Book, the value of a 2012 Jeep Liberty Sport SUV 4D with standard features is between $10,788 and $13,479.

The 2017 Jeep Wrangler Sport SUV 4D is priced much higher with a fair market range between $30,630 and $33,642.

These price variations are one of the reasons for the wide variety of price points quoted for Jeep insurance.

Frequency and Potential to Cause Damage

Each year, the IIHS publishes a study that analyzes the loss to insurance companies related to specific vehicles.

Vehicles in the study are rated in several categories: Collision, Comprehensive, Property Damage, Personal Injury, Medical Payments, and Bodily Injury.

According to the IIHS’s 2015 – 2017 Insurance Loss Report, the Jeep Wrangler (midsized SUV) was rated well across the board with the exception of Property Damage, for which it received a substantially worse-than-average rating, and Bodily Injury, which was rated average.

The Jeep Liberty wasn’t rated in the study. However, the Jeep Cherokee 4WD was, and it received an average rating in all categories.

Discounts

If the Jeep you’re driving has plenty of up-to-date safety features, many insurance providers will offer you a discounted rate.

Newer Jeeps made in 2018 and 2019 are packed with safety features that include lane departure warning, blind spot monitoring, park assist, and front and side airbags.

These features are likely to contribute to lower insurance rates for owners of newer Jeep models.

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Getting a Quote: What Are the Best Companies for Jeep Insurance?

Once you’re prepared to purchase car insurance for your Jeep or any other make of vehicle, it’s smart to obtain quotes from at least three insurance providers and to analyze the coverage they’re offering for the quoted price.

In addition, it’s also wise to consider the following for each company:

  • Financial strength
  • Licensing
  • Customer service
  • How comfortable the agent makes you feel

When you meet with the representative from the insurance company you’ve settled on, it’s important to ask some questions to get yourself the best rate possible, such as:

  • Are there discounts offered for being a good driver?
  • Is it less expensive if I bundle policies?
  • Are there discounts available for my vehicle’s safety features?
  • If I pay in full or set up automatic payments will I qualify for a discount?

What to Know About Jeep

Jeep is an American auto manufacturer that’s owned by Chrysler.

Although its vehicles have received varying safety ratings throughout the years, the company has been working harder in recent years to improve passenger safety in all models.

Jeeps are reasonably inexpensive to repair, and parts are generally easy to find.

Now that you’ve read the above information, you should have a good understanding of how Jeep insurance is priced and what factors go into determining coverage rates.

Use the tips above to obtain a customized policy that meets your insurance needs.