Jeep Renegade Insurance

And how to get the lowest premiums.

Written by Rachel Morey
Written by Rachel Morey

Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.

Reviewed by Greg Safford
Reviewed by Greg Safford

Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.

Jeep Renegade

Insuring your Jeep Renegade shouldn't be complicated, but you have a lot of choices. It can be time-consuming to speak with multiple companies, but if you have an independent insurance agent on your side, you can get multiple quotes through them. They can even talk you through your options and help you design your ideal car insurance package. 

Not sure where to find an independent agent? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Jeep Renegade. 

What Kind of Insurance Do You Need for Your Jeep Renegade?

Bodily injury liability

In an at-fault accident, you are responsible for paying the other person's medical expenses. You may also have to pay legal fees, loss of income, and pain and suffering costs. Bodily injury liability coverage handles those costs for you, up to the limits of your policy. 

Property damage liability

Every state has its own minimum property damage liability coverage limit. For a small premium increase, you can get more coverage than the minimum amounts. The insurance company only pays to repair or replace property that you damage while driving your Renegade up to the policy's limits. Your agent can help you decide how much liability coverage to carry for your Jeep Renegade. 

Medical payments/Personal injury protection

If you and your passengers are injured in an accident, medical payments or personal injury protection insurance pays for medical care. This type of insurance is optional in some areas. In most cases, you can file a claim with your insurance company if you have this type of coverage, which eliminates the need to deal with someone else's insurance company. 

Uninsured motorist coverage

When another driver causes an accident, their insurance typically pays for the damage. However, if they don't have enough (or any) insurance, you could find yourself facing huge medical and repair bills. Uninsured and underinsured motorist coverage picks up the bill if you are in an accident with a driver who doesn't have insurance. 

Optional coverage:


Collision coverage replaces or repairs your Jeep Renegade if it's damaged in an accident with an object (like a building) or another vehicle. Collision coverage is required if you have an outstanding loan on your Jeep. If your Renegade is paid off, collision coverage is optional. 


Comprehensive coverage handles damage to your vehicle not caused by a collision. This can include fire, falling objects, a civil disturbance, theft, and vandalism. 

Glass coverage

A zero-deductible glass coverage policy costs just a few dollars each month. If your Renegade needs a new windshield, this coverage could save you from having to pay for it out of pocket. 

Gap Insurance

You may owe more than your Jeep Renegade is worth if you bought it brand new and financed the purchase for more than a few years. If you have a lease, you may already have gap insurance. If you are in an accident and your Jeep is totaled, your insurance will pay the vehicle's fair market value. This amount may be less than the total outstanding debt you owe. Gap coverage pays the difference so you don't have to. 

What Affects the Cost of Insurance for Your Jeep Renegade?

Annual mileage: Driving your Renegade more than 10,000 to 15,000 miles each year means you'll pay slightly higher insurance premiums. 

Your driving record: At-fault accidents and moving violations trigger higher insurance premiums. Talk with your agent to understand exactly how your individual driving history affects your rates. 

The value of your vehicle: High-value vehicles cost more to repair or replace, which drives up insurance rates. Choosing an older Renegade model can help keep your rates low. 

Average Jeep Renegade Insurance Costs

On average, an adult with a clean driving record pays $2,640 per year for full coverage on their Jeep Renegade. New drivers who are just 16 years old should expect to pay average rates that are much higher. Your rates may vary greatly from these averages. Your agent can help you understand how to get the lowest possible insurance rates for your Renegade. 

The Safety of Your Jeep Renegade

The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Jeep Renegade with front-wheel drive an overall four-star safety rating. Forward collision warning is an optional upgrade. Choosing advanced safety technology when you buy a Renegade could help you get better insurance rates by reducing the likelihood that you'll be involved in a crash. 

How Location Affects Your Jeep Renegade Insurance 

Where you live has a big impact on your Renegade's insurance premiums. You need a personalized quote from an independent insurance agent to make an informed decision about which insurance company best meets your needs. 

Jeep drivers in Iowa, Maine, and Idaho pay half as much, on average, as Jeep drivers in Michigan, Louisiana, and Montana. 

Additional Factors That Affect Your Jeep Renegade Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Jeep Renegade

Average annual cost to insure a Jeep with full coverage and a $500 deductible:  $1,454
Comprehensive:  $322
Collision: $532
Liability:  $420

Choosing higher deductibles could lower your insurance rates by nearly $600 per year. If you choose a lower deductible of $250, you could see an increase of $500 in your annual premium. 

Top Independent Insurance Carriers That Insure the Jeep Renegade

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

Get a Jeep Renegade Quote

Your independent insurance agent shops dozens of insurance companies on your behalf so you can get the lowest rates and best auto insurance coverage for your Jeep Renegade. connects you to an agent in your area who understands the local auto insurance requirements. Use the find-an-agent tool today to get in touch with a local independent insurance agent and find the best rates right away. 

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IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver