Ultimate Jeep Insurance Guide for 2025

Everyone knows Jeeps are the gold standard for off-road capability and toughness. But which Jeep model costs the least to insure? And how do Jeeps compare to the competition?

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One question that pops up a lot is “Are Jeeps expensive to insure?“. Jeeps in general are just plain awesome, and if you disagree, then you either have never had one, or you just wish you did.

When comparing insurance costs for the different Jeep models, it just makes sense to do a head-on comparison between the off-road models. All Jeeps are able to go off-road, obviously, but for this comparison we are only talking about REAL off-roading.

The Compass and Renegade will be omitted in favor of the Cherokee, Grand Cherokee, Wrangler, and Gladiator in our initial comparisons, but annual insurance cost for those models can be seen in the small SUV comparison tables.

Jeep Cherokee vs. Grand Cherokee Insurance

For 2023 models (the Cherokee is not available for 2024), when comparing Jeep Cherokee insurance and Jeep Grand Cherokee insurance cost, the Cherokee has an average car insurance cost of $2,464 and the Grand Cherokee is $2,420, making the Jeep Grand Cherokee $44 cheaper overall.

See our complete comparison of Jeep Grand Cherokee vs Jeep Cherokee insurance for model year comparisons back to 2015.

Average car insurance premiums for 2023 Jeep Cherokee and Jeep Grand Cherokee models for different driver ages.
Figure 1: Average car insurance premiums for 2023 Jeep Cherokee and Jeep Grand Cherokee models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2023 model year Jeep Cherokee and Jeep Grand Cherokee. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Jeep Cherokee vs. Jeep Grand Cherokee Insurance Cost
Driver Age Jeep Cherokee Jeep Grand Cherokee
18-Year-Old$7,640$7,496
20-Year-Old$4,982$4,874
25-Year-Old$2,856$2,812
30-Year-Old$2,610$2,580
40-Year-Old$2,464$2,420
50-Year-Old$2,206$2,142
60-Year-Old$2,066$2,006

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 26, 2025

The 2023 Jeep Cherokee has five trim levels available, with the cheapest model to insure being the X 4WD model at an average cost of $2,370 per year. For the 16 trim levels available for the no, the cheapest 2023 model to insure is the Laredo 2WD model at a cost of $2,174 per year, or $181 per month.

When rates for all 21 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Jeep Grand Cherokee Laredo 2WD at an average rate of $2,174 per year. The most expensive trim is the Jeep Grand Cherokee Summit Reserve 4xe at an average of $2,614 per year.

The next two rate tables illustrate the average cost to insure all 2023 trim levels, as well as the overall average rate for each model. The model with the cheapest overall car insurance rates for 2023 is the Jeep Grand Cherokee.

2023 Jeep Cherokee

$2,464

Insurance Rates by Trim Level for a 2023 Jeep Cherokee
2023 Jeep Cherokee TrimsRate
X 4WD$2,370
Latitude Lux 2WD2,450
Latitude Lux 4WD2,484
Trailhawk 4WD2,502
Limited 4WD2,518
2023 Jeep Cherokee Average Rate$2,464

2023 Jeep Grand Cherokee

$2,420

Insurance Rates by Trim Level for 2023 Jeep Cherokee
2023 Jeep Grand Cherokee TrimsRate
Laredo 2WD$2,174
Laredo 4x42,214
Altitude 2WD2,268
Altitude 4x42,302
Limited 2WD2,308
Limited 4x42,342
Overland 2WD2,438
Overland 4x42,464
4xe2,472
Summit 2WD2,492
Summit 4x42,504
30th Anniversary 4xe2,518
Trailhawk 4xe2,524
Summit Reserve 4x42,546
Overland 4xe2,546
Summit Reserve 4xe2,614
2023 Jeep Grand Cherokee Average Rate$2,420

Jeep Cherokee vs. Wrangler Insurance

For the 2023 Cherokee and Wrangler models, the Cherokee has an overall insurance rate of $2,464 and the Wrangler comes in at $2,514, making the Jeep Cherokee $50 cheaper overall.

Average car insurance premiums for 2023 Jeep Cherokee and Jeep Wrangler models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Jeep Cherokee and Jeep Wrangler models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Jeep Cherokee and Jeep Wrangler. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Jeep Cherokee vs. Jeep Wrangler Insurance Cost
Driver Age Jeep Cherokee Jeep Wrangler
18-Year-Old$7,640$7,990
20-Year-Old$4,982$5,170
25-Year-Old$2,856$2,920
30-Year-Old$2,610$2,664
40-Year-Old$2,464$2,514
50-Year-Old$2,206$2,246
60-Year-Old$2,066$2,108

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

Out of five Jeep Cherokee trims, the cheapest 2023 trim level to insure is the X 4WD trim at an average cost of $2,370 per year, or about $198 per month. For the 22 trim levels available for the no, the cheapest 2023 trim to insure is the Sport 2-Door model at a cost of $2,280.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the Jeep Wrangler Sport 2-Door at an average cost of $2,280 per year. The most expensive trim is the Jeep Wrangler Rubicon 392 at an average cost of $2,780 per year.

The tables below illustrate the average cost to insure all 2023 trim levels, along with an average cost for each model. The 2023 Jeep Cherokee is the winner over the 2023 Jeep Wrangler for cheapest car insurance rates.

2023 Jeep Cherokee

$2,464

Insurance Rates by Trim Level for a 2023 Jeep Cherokee
2023 Jeep Cherokee TrimsRate
X 4WD$2,370
Latitude Lux 2WD2,450
Latitude Lux 4WD2,484
Trailhawk 4WD2,502
Limited 4WD2,518
2023 Jeep Cherokee Average Rate$2,464

2023 Jeep Wrangler

$2,514

Insurance Rates by Trim Level for 2023 Jeep Cherokee
2023 Jeep Wrangler TrimsRate
Sport 2-Door$2,280
Willys Sport 2-Door2,356
Sport S 2-Door2,360
Sport 4-Door2,378
Freedom 2-Door2,418
Willys Sport 4-Door2,430
Sport S 4-Door2,430
Willys 2-Door2,430
Sport Altitude2,482
Freedom 4-Door2,486
Willys 4-Door2,496
Rubicon 2-Door2,502
Sahara2,538
Sport RHD2,552
Rubicon 4-Door2,558
Sahara Altitude2,588
Willys 4xe2,622
High Altitude2,626
Sahara 4xe2,640
Rubicon 4xe2,672
High Altitude 4xe2,684
Rubicon 3922,780
2023 Jeep Wrangler Average Rate$2,514

Jeep Wrangler vs. Gladiator Insurance

In a comparison of the 2024 Jeep Wrangler versus the Gladiator truck, the average Jeep Wrangler insurance cost is $2,676 and the Gladiator clocks in at $2,468, making the Jeep Gladiator the winner by $208 a year.

See our complete Jeep Wrangler vs Gladiator insurance cost comparison that includes average rate comparisons back to the first year of manufacturer for the Jeep Gladiator.

Average car insurance premiums for 2024 Jeep Wrangler and Jeep Gladiator models for different driver ages.
Figure 3: Average car insurance premiums for 2024 Jeep Wrangler and Jeep Gladiator models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2024 model year Jeep Wrangler and Jeep Gladiator. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Jeep Wrangler vs. Jeep Gladiator Insurance Cost
Driver Age Jeep Wrangler Jeep Gladiator
18-Year-Old$8,398$7,721
20-Year-Old$5,452$5,008
25-Year-Old$3,104$2,868
30-Year-Old$2,836$2,626
40-Year-Old$2,676$2,468
50-Year-Old$2,386$2,192
60-Year-Old$2,236$2,052

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

Out of 16 Jeep Cherokee trim levels, the cheapest 2024 model to insure is the Sport 2-Door model at an average cost of $2,378 per year.

For the seven trim levels available for the no, the cheapest 2024 model to insure is the Sport model at a cost of $2,300 per year, or about $192 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level to insure is the Jeep Gladiator Sport at an average cost of $2,300 per year. The most expensive model and trim level is the Jeep Wrangler Rubicon 392 at an average cost of $2,936 per year.

The tables shown below show both 2024 models and all trim levels available for each one, including an overall average cost for each model. The winner for the 2024 car insurance cost comparison is the Jeep Gladiator.

2024 Jeep Wrangler

$2,676

Insurance Rates by Trim Level for a 2024 Jeep Wrangler
2024 Jeep Wrangler TrimsRate
Sport 2-Door$2,378
Sport S 2-Door2,460
Sport 4-Door2,474
Willys 2-Door2,554
Sport S 4-Door2,554
Willys 4-Door2,614
Sahara2,672
Sport S 4xe2,686
Willys 4xe2,740
Rubicon X 2-Door2,748
Sahara 4xe2,758
Rubicon X 4-Door2,780
Rubicon 4xe2,786
High Altitude 4xe2,828
Rubicon X 4xe2,848
Rubicon 3922,936
2024 Jeep Wrangler Average Rate$2,676

2024 Jeep Gladiator

$2,468

Insurance Rates by Trim Level for 2024 Jeep Wrangler
2024 Jeep Gladiator TrimsRate
Sport$2,300
Willys2,366
Sport S2,434
Rubicon2,530
Mojave2,530
Rubicon X2,556
Mojave X2,556
2024 Jeep Gladiator Average Rate$2,468

Jeep Grand Cherokee vs. Wrangler Insurance Cost

At this point we can just look at the above data to figure out that the average insurance cost for a Grand Cherokee is $2,420 and the Wrangler is $2,514. That makes the Jeep Grand Cherokee victorious by $94 a year.

Jeep Grand Cherokee vs. Gladiator Insurance Cost

With the Grand Cherokee average insurance rate being $2,420 per year and the annual average rate for the Gladiator being $2,366, for this battle the Jeep Gladiator emerges the winner by $54 a year.

Jeeps versus the competition

It’s one thing to compare insurance rates between the different Jeep models, but how do rates compare to different models? Glad you asked.

The tables below compare Jeep Cherokee insurance rates, Grand Cherokee rates, and Wrangler rates to the entire midsize SUV segment, Compass and Renegade rates to small SUVs, and Gladiator rates to the midsize truck class.

Jeep Cherokee, Grand Cherokee, and Wrangler vs. Midsize SUVs

The table below shows the entire midsize SUV segment, which includes both the Grand Cherokee and Wrangler models.

The average insurance rate for the entire class is $2,314, with the Grand Cherokee ranking 20th, and the Wrangler ranking 32nd.

The Grand Cherokee costs $28 more on average per year than the average midsize SUV insurance rate, and the Wrangler costs $362 more on average per year.

2024 Midsize SUV Average Insurance Rates
Rank Make/Model Annual Premium Cost Per Month
1Honda Passport$1,866$156
2Nissan Murano$1,968$164
3Subaru Outback$1,994$166
4Buick Envista$2,004$167
5Subaru Ascent$2,038$170
6Volkswagen Atlas$2,078$173
7Volkswagen Atlas Cross Sport$2,086$174
8Ford Explorer$2,124$177
9Toyota Highlander$2,132$178
10Toyota Venza$2,136$178
11Chevrolet Traverse$2,186$182
12Mitsubishi Outlander Sport$2,198$183
13Mitsubishi Outlander PHEV$2,210$184
14Ford Edge$2,214$185
15Kia Sorento$2,222$185
16GMC Acadia$2,262$189
17Buick Enclave$2,266$189
18Honda Pilot$2,280$190
19Mazda CX-9$2,286$191
20Jeep Grand Cherokee$2,342$195
21Hyundai Santa Fe$2,382$199
22Nissan Pathfinder$2,384$199
23Hyundai Palisade$2,394$200
24Chevrolet Blazer$2,416$201
25Kia Telluride$2,444$204
26Toyota 4Runner$2,510$209
27Mazda CX-90$2,522$210
28Toyota Grand Highlander$2,552$213
29Kia EV9$2,568$214
30Tesla Model Y$2,592$216
31Ford Bronco$2,600$217
32Jeep Wrangler$2,676$223
33Dodge Durango$2,872$239
34Rivian R1S$2,882$240

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year midsize SUVs
Comparison of the annual and monthly insurance cost for all 2024 model year midsize SUVs

Jeep Compass and Renegade vs. Small SUVs

The table below shows the entire small SUV segment, which includes the Compass and Renegade models.

The average insurance rate for the entire class is $2,154, with the Compass ranking 45th and the Renegade coming in at 32nd.

The Compass costs $382 more and the Renegade costs $98 more on average per year.

2024 Small SUV Average Insurance Rates
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,730$144
2Chevrolet Trailblazer$1,760$147
3Kia Soul$1,826$152
4Nissan Kicks$1,844$154
5Buick Envision$1,878$157
6Toyota Corolla Cross$1,888$157
7Hyundai Venue$1,902$159
8Mazda CX-5$1,910$159
9Ford Bronco Sport$1,918$160
10Volkswagen Tiguan$1,938$162
11Buick Encore$1,988$166
12Honda CR-V$1,996$166
13Volkswagen Taos$2,008$167
14Kia Niro$2,014$168
15Honda HR-V$2,040$170
16Subaru Forester$2,084$174
17Kia Seltos$2,094$175
18GMC Terrain$2,096$175
19Nissan Rogue$2,106$176
20Hyundai Kona$2,110$176
21Mazda CX-30$2,114$176
22Volkswagen ID4$2,124$177
23Ford Escape$2,138$178
24Chevrolet Equinox$2,158$180
25Toyota RAV4$2,162$180
26Mazda MX-30$2,172$181
27Hyundai Tucson$2,176$181
28Chevrolet Trax$2,210$184
29Mini Cooper Clubman$2,220$185
30Mini Cooper$2,226$186
31Mitsubishi Eclipse Cross$2,246$187
32Jeep Renegade$2,252$188
33Mitsubishi Outlander$2,280$190
34Kia Sportage$2,294$191
35Hyundai Ioniq 5$2,302$192
36Nissan Ariya$2,304$192
37Fiat 500X$2,310$193
38Mini Cooper Countryman$2,318$193
39Subaru Solterra$2,320$193
40Mazda CX-50$2,326$194
41Toyota bz4X$2,330$194
42Mitsubishi Mirage$2,342$195
43Kia EV6$2,416$201
44Dodge Hornet$2,492$208
45Jeep Compass$2,536$211
46Hyundai Nexo$2,584$215
47Ford Mustang Mach-E$2,742$229

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year small SUVs
Comparison of the annual and monthly insurance cost for all 2024 model year small SUVs

Jeep Gladiator vs. Midsize Trucks

The Gladiator, Jeep’s midsize pickup truck model, ranks ninth in the midsize truck class for insurance affordability. The average rate for all midsize trucks in $2,365 and the Gladiator comes in at $2,468 per year, making the Gladiator $103 more than the class overall average rate.

Average 2024 Jeep Gladiator car insurance premium compared to other midsize truck models.
Figure 4: Average 2024 Jeep Gladiator car insurance premium compared to other midsize truck models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Jeep Gladiator. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Jeep Gladiator trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Jeep Gladiator Insurance Cost Compared to All Midsize Trucks
Rank Make and Model Annual Premium Difference
1Chevrolet Colorado$2,064-$404
2Nissan Frontier$2,216-$252
3Ford Ranger$2,238-$230
4Ford Maverick$2,272-$196
5Honda Ridgeline$2,324-$144
6Hyundai Santa Cruz$2,364-$104
7Toyota Tacoma$2,372-$96
8GMC Canyon$2,412-$56
9Jeep Gladiator$2,468--
10Rivian R1T$2,922$454

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

Jeep Insurance Comparison Conclusion

Seeing the rate comparisons above, it should be clear that Jeeps do cost a little more for insurance when compared to other vehicles in their class. It really depends on the trim level of Jeep you’re buying insurance for, however.

Higher trims like the Grand Cherokee Trailhawk are just going to cost more to insure due to the higher sticker price. Base level trims for most vehicles fall closer to or even below the national average rate for all vehicles of $2,221.

For most Jeep enthusiasts, the cost of Jeep insurance is really secondary to just owning a Jeep, period.