Jeep Insurance

Find the Best Jeep Insurance for You

Jeep Cherokee

Most Jeep owners love their vehicles and continue to buy from the Jeep brand time and time again. These high-performance vehicles can tear through just about any road conditions you throw their way. If you are considering the purchase of a Jeep, you may have a lot of questions about these cars, ranging from safety and performance to insurance considerations. If you already own one, you may wonder if you are overpaying for your Jeep insurance.

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Facts About Jeep

  • The Jeep brand was founded in 1941 and is headquartered in Toledo, Ohio.
  • Jeep was originally owned by General Motors but was acquired by Chrysler in 1987.
  • Jeep vehicles were originally created for the military and were called Willys MB Jeeps.
  • The first civilian models were produced in 1945.
  • Jeeps were the first makers of off-road and sport utility vehicles in the US.
  • Jeep derived its name from the term GP, which stands for general purpose vehicle.
  • Around the world, many people refer to any 4-wheel drive, off-road vehicle as a Jeep.

Jeep and Auto Theft

A new Jeep is not a cheap investment. You will want to be sure that you have sufficient insurance coverage to cover the losses that may result from a break-in into your Jeep, or worse, if your Jeep is stolen. By including comprehensive coverage with your Jeep insurance policy, you can ensure these losses are covered.

Today’s Jeeps include some security measures to help you protect the belongings you keep inside. These include lockable glove-boxes, a lockable center console, and hidden under-floor storage bins. Another feature included in Jeep vehicles is a Sentry Key® antitheft engine immobilizer. This prevents anyone from driving your vehicle without a valid key.

The National Highway Traffic Safety Administration posted the following Jeep theft rates for 2010:

  • Jeep Compass: 36 thefts at a rate of 1.377 per every 1,000 vehicles
  • Jeep Grand Cherokee: 123 thefts at a rate of 1.963 per every 1,000 vehicles
  • Jeep Patriot: 119 thefts at a rate of 1.309 per every 1,000 vehicles
  • Jeep Wrangler: 206 thefts at a rate of 0.923 per every 1,000 vehicles

Be sure to invest in and use anti-theft devices in your vehicle. Doing so can earn you discounts on your Jeep insurance policy.

Jeep and Your Safety

Jeep vehicles are tough and can plow through most road conditions, as well as handle off-roading adventures. Unfortunately, however, not all of these utilitarian vehicles’ models rate highly in terms of safety.

One of the most popular models, the 2013 Jeep Wrangler, was given only 3 out of 5 stars for its safety in a rollover crash by the National Highway Traffic Administration. The Insurance Institute for Highway Safety rated it as “Good” in a moderate overlap collision test, “Marginal” for rear crash protection and “Poor” for safety in a side impact collision. This vehicle’s overall safety rating by U.S. News and World Report is only 6.7 out of 10.

However, other 2013 models such as the Patriot and the Grand Cherokee scored much higher ratings. U.S. News and World Report rated them at 8.6 and 9.0 respectively for safety. Each of these vehicles was given across the board ratings of “Good” by the NHTA and was given 5 out of 5 stars for side impact collisions by the IIHS. Both vehicles, however, scored only 3 out of 5 stars for their safety in a rollover crash situation.

Some standard safety features you can expect to find on all newer Jeep models include:

  • Advanced multi-stage front airbags
  • Side supplemental airbags
  • Body-on-frame construction
  • Energy-absorbing steering wheel and column
  • Energy-absorbing front rail tips
  • Integrated front restraint system with 3-point seatbelts for all passengers
  • Pre-tensioners and load-limiting retractors on the front seat backs
  • Anti-lock brake system (ABS)
  • Off-road tested emergency brake system
  • Electronic Stability Control (ESC)
  • Electronic Roll Mitigation (ERM)

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Other safety features that are available on most models include:

  • Blind Spot Monitoring (BSM) which illuminates icons on your side view mirrors and sounds a chime when someone is travelling in your blind spot
  • An Emergency Button located on the rear view mirror that will notify 9-1-1 if you are in trouble
  • An Emergency Assist Button located on the rear view mirror that will allow you call for roadside assistance
  • A safety feature that automatically unlocks all doors, opens all windows, cuts off the fuel supply, and turns on all interior lights, if the airbags are deployed
  • A rear back-up camera that allows you to see if anything or anyone is behind your vehicle before backing up
  • Accident avoidance systems that include:
    • Forward Collision Warning (FCW) which sounds and alarm and activates the brakes if you are approaching another car too closely
    • Adaptive Cruise Control (ACC) which automatically adjusts your cruise control speed so that you maintain a safe distance from vehicles in front of you

The inclusion of these safety features helps to keep you insurance rates low by helping to prevent accidents and keeping injuries at a minimum.

Current Jeep Models and Prices

Jeep is currently building the following models as part of their 2014 lineup:

  • The Jeep Wrangler: This classic 2-door SUV starts at $22,395.
  • The Jeep Wrangler Unlimited: This classic 4-door SUV starts at $25,995.
  • The Jeep Compass: This compact SUV starts at $18,495.
  • The Jeep Cherokee: This mid-sized SUV starts at $22,995.
  • The Jeep Grand Cherokee: This more luxurious mid-sized SUV starts at $28,795, though the SRT version starts at $63,660.
  • The Jeep Patriot: This compact crossover SUV starts at $15,995.

Of these models, some of the most popular in the United States are the Jeep Patriot, the Jeep Wrangler, and the Jeep Grand Cherokee.

Jeep Patriot

The Jeep Patriot

Jeep proudly boasts that the 2014 Patriot is the best-priced SUV in America. This compact SUV is both classic and affordable. It comes equipped with a 5-speed manual transmission and an inline 4 cylinder engine that delivers 158-horsepower and 141-pounds of torque. Its maximum towing capacity is 2000 pounds and it has a curb-weight of 3111 pounds. The Patriot gets an estimated 23 miles per gallon in the city and 30 miles per gallon on the highway.

Reviewers remark that the Patriot has above-average off-road capabilities and a few clever standard features, but state that it has very sluggish acceleration, and that its performance on the roadways is underwhelming. Several have remarked that the interior is not very comfortable, making this vehicle undesirable if you plan to take a lot of long trips. Furthermore, despite its size as an SUV, it has very limited cargo space. If, however, you are looking for an affordable vehicle with good towing and off-roading abilities, the Patriot may be the compact SUV for you.

Jeep Wrangler

The Jeep Wrangler

The Wrangler is the original Jeep. This version of the Jeep has been in production for more than 60 years, and it still very similar in style to the original military GPs that preceded it. The 2014 Wrangler comes equipped with a 6-speed manual transmission and a V6 engine that delivers 285-horsepower and 260-pounds of torque. Its maximum towing capacity is 2000 pounds and a maximum payload of 1,000 pounds, and it has a curb-weight of 3760-pounds. The Wrangler gets an estimated 17 miles per gallon in the city and 21 miles per gallon on the highway.

Reviewers at Edmunds remark that the current Wrangler is more civilized than ever, and that its off-road abilities are appealing. Owners and reviewers find this Jeep to be surprisingly fun to drive around town and like that it comes in both 2 and 4-door versions. However, its poor side-impact crash test results, noisy ride, and long braking-distance issues are drawbacks worth mentioning. Some people also find its soft-top roof difficult to remove and replace, so if you are driving around without it, you do have security issues when you park your vehicle. Despite these drawbacks, though, Wrangler owners tend to love their vehicles and find them to be reliable and powerful, particularly when driving on rough terrain.

Jeep Grand Cherokee

The Jeep Grand Cherokee

The Grand Cherokee was the first mid-sized SUV on the market, and since its inception, several car makers have copied its format. The 2014 Grand Cherokee comes equipped with an 8-speed shiftable automatic transmission and a V6 engine that delivers 290-horsepower and 260-pounds of torque. Its maximum towing capacity is 7,400 pounds, and it has a maximum payload of 1,180 pounds. The curb-weight of the Grand Cherokee is 4,545-pounds, and it gets an estimated 17 miles per gallon in the city and 25 miles per gallon on the highway.

Reviewers remark that the Grand Cherokee delivers a great mix of performance and comfort. Its spacious and comfortable interior makes it a suitable vehicle for your daily commute, while its power and rugged build allow it to perform well as a utility vehicle. Unlike many of the other Jeep models, the Grand Cherokee includes a lot of luxury features, but it does cost significantly more than many other mid-sized SUVs. It also has below average braking distances. For those who want an off-road vehicle that can perform and tow very heavy loads, but that is comfortable and reliable enough for long car trips, the Grand Cherokee may be the ideal purchase.

How Much Does Jeep Car Insurance Cost?

Jeep vehicles are somewhat utilitarian, and their insurance rates are not very high. In fact, Forbes Magazine lists three Jeep models—the Patriot, the Compass and the Wrangler Unlimited— on its 2013 list of the Top-16 least expensive cars to insure.

In 2013, Motor Trend Magazine listed the following average insurance rates for new Jeep vehicles:

  • Jeep Wrangler: $1,258 per year
  • Jeep Wrangler Unlimited: $1,100 per year
  • Jeep Compass: $1,344 per year
  • Jeep Cherokee: $1,266 per year
  • Jeep Patriot: $1,279 per year

These averages are for policies nationwide and can vary significantly from state to state and person to person. Insurance costs are determined not only by model of your Jeep, but also by factors such as your personal driving record, location, where and how often you drive your Jeep, and the amount of coverage you wish to purchase.

Start Comparing Jeep Insurance Quotes Today

Jeep vehicles are affordable and powerful off-road sport utility vehicles, the perfect choice for many adventurous buyers. An agent in the Trusted Choice network can ensure that you are receiving your Jeep insurance at the best possible rate.

Member agents work with several different insurance providers to find you a policy that meets your coverage and budgetary needs. Contact an agent near you to get Jeep insurance quotes for your vehicle.


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