Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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Here's what you need to know...

  • Regardless of make and model, you need insurance when you buy a Jeep
  • Most Jeeps are considered high-performance vehicles
  • Each model comes with standard and optional towing capabilities depending on your needs

Whether you are driving a hardy off-road Jeep Wrangler or a family-friendly Jeep Cherokee, you will need Jeep auto insurance to protect you and your passengers. But do Jeeps have higher insurance? Our guide will help you understand the costs of off-road Jeep insurance.

Since Jeeps can be used for exciting and rugged driving experiences, drivers should consider getting extensive auto insurance that will include off-road insurance coverage. But what does fully comprehensive auto insurance cover? Off-road vehicle insurance can be hard to find and the rates are quite high.

With Forbes magazine reporting that insurance rates are soaring across the country and are likely to follow that upward trend, Jeep drivers should educate themselves about insurance.

Ready to compare auto insurance quotes? Secure cheap auto insurance for your Jeep Wrangler today by entering your five-digit ZIP code into our FREE quote comparison tool

How expensive is Jeep auto insurance?

Is insurance on a Jeep high? Many factors impact your Jeep insurance prices, like your age, where you live, and your driving record. 

For these reasons, Jeep Wrangler 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 different models of Jeep insurance rates. Check it out.

Jeep Annual Auto Insurance Rates by Model
Jeep ModelAverage Annual Auto Insurance Rates
Jeep Liberty$1,114
Jeep Wrangler$1,256
Jeep Patriot$1,258
Jeep Compass$1,324
Jeep Grand Cherokee$1,414
Jeep Gladiator$1,650
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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 Jeep Cherokee 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.

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Are Jeeps good for off-roading?

Of all of the off-roading vehicles, Jeeps are the most commonly known. According to Jeep, the automobile company has been providing fun and freedom to their customers since 1941.

Known for its sports utility vehicles, or SUV, and off-road vehicles, the car has a range of models that are a combination of rugged capabilities and family-friendly comfort.

With military roots, this American brand provided all-terrain transportation for troops in World War II. Today it is owned by the Chrysler Group, a global corporation.

The company has designed a category of vehicles that are Trail Rated, a widely recognized industry trademark indicating off-road capability.

To gain this stamp, the vehicle has to pass set standards for traction, articulation, water fording, ground clearance, and maneuverability.

The Jeep 4x4s follow the industry standards for traction and control, not only on all terrains but also in all weather conditions from heavy rain and snow to treacherous ice.

Additionally, each model comes with standard and optional towing capabilities depending on your needs.

So take the time to research your coverage options from surfing the Internet to talking with agents, before heading out to tackle the rough and tumble of the roads.

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.

If off-road truck insurance is your goal, expect to receive higher than average rates. Jeep off-road accidents are common, making this type of insurance very high-risk. 

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

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.

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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.

Bodily injury liability (BIL) pays towards all treatment costs for physical injury caused sustained by other drivers, passengers where you are at fault.

As the name suggests, property damage liability pays towards replacing or repairing any property damage caused by an auto accident, where you are at fault.

It covers the other cars involved in the accident, structural damage to buildings or property such as sidewalks, electric poles, traffic signage etc.

Personal injury protection is mandatory in most states. This coverage pays for medical and funeral expenses of the driver and passengers.

If you have a financed car, a new car, or an expensive car, collision coverage is a must. It will cover you if your car is damaged or totaled in an accident.

Comprehensive coverage is meant for any damage caused to your car except by collision.

From acts of God such as violent weather human errors such as poorly timed golf balls, or deliberate criminal acts such as theft or vandalism, comprehensive coverage will take care of the fallout.

Like collision coverage, this is necessary if you are driving a new, luxury, or financed car.

Increasing numbers of people are driving with low or no insurance.

Indeed, the Insurance Information Institute finds that one out of every eight drivers today is uninsured and many more are underinsured.

People are seeking uninsured/underinsured coverage to protect themselves in case of a crash with an at-fault uninsured or underinsured driver as well as in cases of hit-and-run accidents.

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 cost.

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 from the Insurance Institute for Highway Safety.

2020 Jeep Wrangler Safety Ratings
Crash TestSafety Rating
Small overlap front (driver-side)Marginal
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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Additionally, safety features such as anti-theft devices will help lower your insurance costs.

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

Living in a big city will raise your rates as will living in a high crime area 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 below the age of 25 pay the highest rates.

For example, the average Jeep insurance cost 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. That means having a good credit history and a clean driving record. 

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

Lowering Your Auto Insurance Rates for a Jeep

Whether you are shopping for diamonds, grocery 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 defined as the stated amount that the driver has to pay before the insurance company picks up the tab. Increase this amount to $1,000 if you can afford it and make sure you 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 reduce your insurance bill drastically. So look at the industry standards such as good driver, low mileage, and a good student discount. Also, ask your insurance company for a list of their 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.

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Frequently Asked Questions: Jeep Auto Insurance

You’re now an expert on Jeep auto insurance. Whether you’re looking for off-road auto insurance, or a policy for your family Wrangler, refer back to this guide as much as needed while you comparison shop. 

In the meantime, check out our frequently asked questions below.

#1 – Where can I go off-roading in my Jeep?

There are many trails designed for off-roading across the country. Do a quick internet search to see what is closest to you. 

#2 – What is the Jeep Wrangler insurance group?

The Jeep Wrangler lands between 32 and 37 for its insurance group.

#3 – Where is off-road auto-driving popular?

Off-roading is popular in Austalia, which is why you can get off-road insurance in Australia quite easily. It is also popular in Canada, so you can get off-road insurance in Alberta, BC, and Ontario.

You can even get off-road insurance in NZ and the UK.

#4 – What is the cheapest auto insurance company for a Jeep?

The cheapest company will change depending on where you live, and your individual needs and demographics. Try comparison shopping to see which company will provide you with your cheapest rates. 

Ready to compare Jeep insurance online? Enter your zip code into our FREE toolbox right now to compare the best Jeep auto insurance quotes instantly.