Best Auto Insurance for Jeeps in 2025 (Top Companies for Your Vehicle)
State Farm, Farmers, and Allstate offer the best auto insurance for Jeeps, starting at $124 per month. State Farm includes accident forgiveness and vanishing deductibles with full coverage Jeep car insurance. Farmers covers aftermarket mods, and Allstate offers 24/7 off-road towing with Jeep insurance.
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Heidi Mertlich
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Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
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UPDATED: Apr 21, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 21, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,154 reviewsCompany Facts
Full Coverage for Jeeps
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18,154 reviews
3,072 reviewsCompany Facts
Full Coverage for Jeeps
A.M. Best
Complaint Level
Pros & Cons
3,072 reviews
11,638 reviewsCompany Facts
Full Coverage for Jeeps
A.M. Best
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Pros & Cons
11,638 reviewsState 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| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Accident Forgiveness | State Farm |
 | #2 | 20% | A | Aftermarket Parts | Farmers |
 | #3 | 25% | A+ | Add-on Coverages | Allstate |
 | #4 | 25% | A | Customizable Polices | Liberty Mutual |
 | #5 | 15% | A | Online App | AAA |
 | #6 | 20% | A+ | Usage Discount | Nationwide |
 | #7 | 10% | A++ | Military Savings | USAA |
 | #8 | 25% | A++ | Multiple Vehicles | Geico |
 | #9 | 10% | A+ | Innovative Tools | Progressive |
 | #10 | 13% | A++ | Safe Drivers | Travelers |
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.
- State Farm is the top pick with accident forgiveness and vanishing deductibles
- Jeep insurance costs average $130 a month for full coverage
- Jeep auto insurance rates vary by model year
Jeep auto insurance is more expensive than average, but you can find the lowest Jeep insurance rates with our free comparison tool.
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#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.
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#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.
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#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.
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#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.
Comparing Rates From Top-Rated Jeep Insurance 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 Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $136 | $157 |
| $128 | $238 |
| $133 | $365 |
| $137 | $279 |
| $133 | $300 |
| $141 | $223 |
| $149 | $215 |
| $124 | $196 |
| $154 | $291 |
| $146 | $212 |
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 the 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.
The Cost Difference Between Older and Newer Jeep Models
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.
Jeeps Auto Insurance Monthly Rates by Model Year| Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2020 | $110 | $209 |
| 2021 | $115 | $219 |
| 2022 | $120 | $228 |
| 2023 | $125 | $238 |
| 2024 | $130 | $247 |
| 2025 | $135 | $257 |
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 Costs by Age and Driving History
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.
Jeeps Auto Insurance Full Coverage Monthly Rates by Age & Driving Record| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 16-Year-Old | $300 | $330 | $360 | $400 |
| 18-Year-Old | $250 | $275 | $300 | $350 |
| 25-Year-Old | $150 | $170 | $200 | $230 |
| 35-Year-Old | $130 | $150 | $180 | $210 |
| 45-Year-Old | $120 | $140 | $160 | $190 |
| 60-Year-Old | $110 | $130 | $150 | $180 |
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.
Finding The Best Jeep Insurance Discounts
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| Insurance Company | UBI | Bundling | Pay-in-Full | Military | Green Vehicle |
|---|---|---|---|---|---|
| 30% | 15% | 15% | 10% | 5% |
| 30% | 25% | 10% | 25% | 7% |
| 30% | 20% | 10% | 20% | 8% |
| 25% | 25% | 10% | 15% | 5% |
| 30% | 25% | 12% | 10% | 8% |
| 40% | 20% | 15% | 15% | 10% |
| 25% | 10% | 15% | 15% | 5% |
| 30% | 17% | 15% | 25% | 5% |
| 30% | 13% | 15% | 10% | 10% |
| 30% | 10% | 20% | 30% | 10% |
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.
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Essential 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.
Jeep Auto Insurance Coverage Types| Coverage Type | Description |
|---|---|
| Liability Coverage | Covers damage to others if you're at fault |
| Collision Coverage | Covers damage to your car in an accident |
| Comprehensive Coverage | Covers non-collision damage (theft, vandalism, etc.) |
| Personal Injury Protection (PIP) | Covers medical expenses and lost wages for you/passengers |
| Uninsured/Underinsured Motorist | Protects you if the other driver lacks sufficient insurance |
| Medical Payments Coverage | Covers medical expenses for you and passengers |
| Roadside Assistance | Provides towing, battery jump-starts, and repairs |
| Rental Reimbursement | Covers rental car costs while yours is being repaired |
| Gap Insurance | Covers the gap between your car's value and loan balance if totaled |
| Custom Parts Coverage | Covers aftermarket parts and custom equipment |
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.
Don’t assume all roadside assistance covers off-roading—check if your provider includes off-road winching like Allstate does before you hit the trails.
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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.
Frequently Asked Questions
What is the cheapest insurance for a Jeep?
The cheapest insurance for a Jeep is offered by State Farm, starting at $124 per month for minimum liability coverage, along with a 17% bundling discount.
Is insurance higher on a Jeep?
Yes, insurance is higher on a Jeep due to factors like off-road capability, custom modifications, and repair costs, especially for newer models.
Who offers the best auto insurance coverage for Jeeps?
State Farm, Allstate, and Farmers offer the best auto insurance coverage for Jeep with perks like $1,000 in custom parts coverage (Farmers), off-road towing (Allstate), and deductible reductions every six months (State Farm).
Read More: Geico vs. Allstate Auto Insurance
What are the four recommended types of insurance for Jeeps?
The four recommended types of insurance for a Jeep are liability coverage, collision coverage, comprehensive coverage, and custom parts/equipment coverage for aftermarket modifications.
Which is the most expensive form of auto insurance for Jeeps?
The most expensive form of car insurance for a Jeep is full coverage, reaching up to $365 per month with Farmers for models like the 2025 Jeep Wrangler.
Are Jeeps expensive to insure?
Jeeps are relatively expensive to insure, with rates for new models reaching $135 per month and full coverage often exceeding $200 due to off-road risks and high theft rates, especially in some of the worst states for filing an auto insurance claim, where repair delays and claim denials are more common.
How much is insurance for a Jeep Patriot?
Minimum insurance for a Jeep Patriot averages $130 to $160 per month, depending on the driver’s age, driving record, and selected coverage level.
Which insurance is the most popular for Jeeps?
State Farm is the most popular insurance for Jeep, offering affordable premiums, accident forgiveness, and the lowest base rate of $124 per month.
What is umbrella insurance coverage for Jeeps?
Umbrella insurance coverage for Jeep provides an extra $1 million or more in liability protection, which is useful for Jeep owners who drive frequently or use their vehicle off-road. It’s often offered by some of the cheapest car insurance companies for added peace of mind.
How do you shop for the best auto insurance for a Jeep?
To shop for the best car insurance for Jeep, compare car insurance quotes online, look for UBI discounts like Nationwide’s 40% SmartRide, and bundle with home insurance to save up to 25%.
What is the best insurance company for older Jeeps?
Geico is often the best insurance company for older Jeep cars, offering mechanical breakdown coverage and multi-vehicle discounts of up to 25%.
Which insurance policy has the lowest premium for Jeeps?
The insurance policy with the lowest premium for a Jeep is State Farm’s liability-only plan, which costs $124 per month. This plan is backed by a top A++ A.M. Best rating and offers reliable claims support, including traffic collision reconstruction in complex accident investigations.
What is the cheapest fully comprehensive auto insurance for Jeeps?
The cheapest full comprehensive car insurance for a Jeep is from State Farm at $196 per month, including options for vanishing deductibles and multi-policy discounts.
How much is insurance for a Jeep Cherokee?
Insurance for a Jeep Cherokee typically ranges from $130 to $170 per month. Rates may drop with a clean driving record, bundling discounts up to 25%, or usage-based car insurance programs.
How much is insurance on a Jeep Wrangler for a 16-year-old?
Jeep Wrangler auto insurance for a 16-year-old with a clean record costs about $300 per month, but rates can climb to $400 with a DUI. Teens pay more due to higher risk, but enrolling in telematics programs or staying on a parent’s policy can significantly lower costs.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.