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How much does it cost to insure a Jeep?

Annual Jeep car insurance premiums typically range from £600 for basic third-party policies to over £1,500 for fully comprehensive cover. Rates depend on the model, driver details and intended use.

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How do insurers determine Jeep insurance costs?

In calculating premiums, insurers mainly examine:

Driving record

Recent accidents, traffic violations and disqualifications raise rates substantially, while a clean record lowers costs.

Vehicle use

Daily driver policies cost more than policies covering occasional recreational use. Mileage also affects premiums.

Vehicle security

Insurers offer discounts for approved theft deterrent security devices, such as alarms and immobilisers, and secure garaging.

Coverage limits

Lower coverage levels reduce premiums but leave drivers exposed if they need to make a major claim.

Factors that increase Jeep insurance costs include:

  • Engine size: vehicles with larger engines, such as the 3.6L Wrangler, have higher premiums
  • Performance models: high-performance models, such as the Trailhawk and SRT, command higher premiums than standard editions
  • No-claims discount (NCD): policies without NCDs cost more. Multi-year NCDs provide savings that increase each year up to a typical maximum of 60%
  • Driver age: drivers who are under 25 pay more than older drivers, as over-25s are deemed to be more experienced behind the wheel
  • Location and parking: urban areas and on-street parking will cost more than rural spots and garaging
  • Security: discounts are offered for alarms, immobilisers and garaging

Tips for reducing Jeep insurance costs

The key to finding the most affordable Jeep cover is to shop around and compare specialist Jeep insurers on comparison sites. 

  • Ask about discounts for multi-car policies, low mileage, experienced drivers and advanced courses
  • Increase your voluntary excess to over £500 to lower premiums if you can afford the extra cost in the event of making a claim
  • Add an experienced second driver, such as a partner or parent, to benefit from their good record
  • Limit the use of your Jeep to recreational rather than daily driver use 
  • Improve security by installing an approved alarm and tracking system and ensuring your car’s parking location is secure
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Jeep insurance FAQs

Jeeps typically fall into a range of groups, from 10 to 50, depending on the model, engine size and specifications. For example, the more powerful Cherokee models fall into the higher groups.

Jeeps are known for rugged dependability, but maintenance and repair costs can be higher than average, especially for complex four-wheel drive systems.

Safety ratings vary by model. The Renegade received a three-star safety rating in its most recent European New Car Assessment Programme testing, while the Cherokee received four stars and the Compass received five.

Yes, their weight and four-wheel drive systems result in higher fuel consumption and maintenance bills than the average car, but costs depend on the model.

Jeep’s parent company, Stellantis, has released new electric models since 2023, including the Jeep Avenger, the Renegade and the Compass.

Connor Campbell new profile April 2024

Connor Campbell

Senior Finance Writer

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet, Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror, the Daily Express and Business Insider

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian, BBC, Reuters and the Evening Standard

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.