Jeep Insurance Cost
Across 8 current Jeep models, full coverage averages about $1,558 a year by our estimate — −2% versus the average vehicle ($1,590).
Jeep insurance profile
Jeep’s lineup is made up mostly of 4 midsize suvs, 2 small suvs, and 1 large suv. HLDI collision losses for its models average 78 (100 = all-vehicle average).
Every Jeep model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Wrangler | Midsize SUV | 2005–2027 | 47 | $1,355 | −15% |
| Cherokee | Midsize SUV | 2014–2026 | — | $1,505 | −5% |
| Recon | Small SUV | 2026–2026 | — | $1,510 | −5% |
| Grand Cherokee | Midsize SUV | 2005–2027 | 81 | $1,565 | −2% |
| Wagoneer S | Midsize SUV | 2024–2026 | — | $1,570 | −1% |
| Compass | Small SUV | 2007–2026 | 81 | $1,580 | −1% |
| Gladiator | Pickup truck | 2020–2027 | 63 | $1,635 | +3% |
| Grand Wagoneer | Large SUV | 2022–2027 | 116 | $1,745 | +10% |
Older and discontinued Jeep models
What makes Jeep insurance cost more or less
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 5 models range from 47 to 116, so the model you pick matters as much as the brand.
- Segment mix: 4 midsize suv, 2 small suv, 1 large suv, 1 pickup truck.
Average Jeep insurance cost by state
Average full-coverage estimate across current Jeep models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $994 | −36% |
| North Dakota | $994 | −36% |
| Vermont | $1,008 | −35% |
| Iowa | $1,059 | −32% |
| Idaho | $1,066 | −32% |
| Wisconsin | $1,071 | −31% |
| Hawaii | $1,073 | −31% |
| New Hampshire | $1,111 | −29% |
| Indiana | $1,113 | −29% |
| Ohio | $1,118 | −28% |
| North Carolina | $1,157 | −26% |
| South Dakota | $1,190 | −24% |
| Wyoming | $1,215 | −22% |
| Montana | $1,247 | −20% |
| Kansas | $1,249 | −20% |
| Nebraska | $1,251 | −20% |
| Tennessee | $1,296 | −17% |
| West Virginia | $1,304 | −16% |
| Minnesota | $1,309 | −16% |
| Kentucky | $1,326 | −15% |
| Virginia | $1,352 | −13% |
| Illinois | $1,356 | −13% |
| Alabama | $1,360 | −13% |
| Pennsylvania | $1,362 | −13% |
| Alaska | $1,372 | −12% |
| Arkansas | $1,373 | −12% |
| Washington | $1,378 | −12% |
| Oklahoma | $1,408 | −10% |
| New Mexico | $1,409 | −10% |
| Missouri | $1,424 | −9% |
| Oregon | $1,424 | −9% |
| Utah | $1,437 | −8% |
| Mississippi | $1,498 | −4% |
| California | $1,526 | −2% |
| Massachusetts | $1,540 | −1% |
| Arizona | $1,655 | +6% |
| Connecticut | $1,679 | +8% |
| South Carolina | $1,698 | +9% |
| Michigan | $1,705 | +9% |
| Maryland | $1,769 | +14% |
| Delaware | $1,774 | +14% |
| Colorado | $1,789 | +15% |
| Nevada | $1,830 | +17% |
| Texas | $1,858 | +19% |
| Rhode Island | $1,909 | +23% |
| New Jersey | $1,913 | +23% |
| Georgia | $1,966 | +26% |
| District of Columbia | $1,973 | +27% |
| New York | $2,126 | +36% |
| Louisiana | $2,183 | +40% |
| Florida | $2,281 | +46% |
Frequently asked questions
How much does it cost to insure a Jeep?
Across 8 current Jeep models, our full-coverage estimate averages $1,558 a year for a driver in their 30s with a clean record, 2% less than the average vehicle ($1,590).
What is the cheapest Jeep to insure?
The Jeep Wrangler has the lowest estimate at about $1,355 a year for full coverage; the Jeep Grand Wagoneer is the most expensive at about $1,745.
Are Jeep repairs expensive for insurers?
HLDI collision-loss data for 5 Jeep models averages 78 (100 = average of all vehicles), which is much better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Jeep?
By our estimates, Maine is the cheapest state (about $994 a year on average across current models) and Florida the most expensive (about $2,281).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.