10 Best Car Insurance Companies for Jeeps in 2024 (We Suggest These Providers)

Top Pick for Jeeps: State Farm

17,759 reviews

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4.1

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Company Facts

Full Coverage for Jeeps

$125/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

17,759 reviews

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Best Rates for Jeeps: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Jeeps

$115/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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Best Policies for Jeeps: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage for Jeeps

$130/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,128 reviews

Compare Rates →

State Farm, Geico, and Progressive top the list of the best car insurance companies for Jeeps, excelling in affordability, coverage options, and customer satisfaction for only $55 per month.

State Farm offers competitive rates, making it a top pick for budget-conscious Jeep owners. Geico provides exceptional service and exclusive benefits for military families.

Our Top 10 Picks: Best Car Insurance Companies for Jeeps

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Comprehensive Coverage	State Farm
	#2	25%	A++	Affordable Rates	Geico
	#3	20%	A+	Customizable Policies	Progressive
	#4	10%	A+	Strong Service	Allstate
	#5	10%	A++	Military Benefits	USAA
	#6	20%	A	Unique Coverages	Liberty Mutual
	#7	15%	A	Claims Service	Farmers
	#8	10%	A+	Safety Discounts	Nationwide
	#9	15%	A	Bundling Discounts	American Family
	#10	13%	A++	Extensive Coverage	Travelers

Auto insurance companies offer varying rates, so before you purchase insurance, it’s best to review your coverage needs and budget. We’ll go over the different types of car insurance and how to choose the best car insurance company for Jeeps. Enter your ZIP code now to begin.

#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Coverage Options: State Farm offers a variety of coverage options ideal for Jeep owners, including off-road and specialized coverage. Their A.M. Best rating of B reflects solid financial stability, ensuring reliable coverage.
• Multi-Policy Discount: State Farm’s 20% multi-policy discount is beneficial for Jeep owners who bundle their auto insurance with other policies, making it one of the best options for cost savings.
• High Customer Satisfaction: State Farm ranks highly in customer satisfaction for claims handling and overall service, making it a top choice among the best car insurance companies for Jeeps. Discover more about offerings in our “State Farm Insurance Review & Complaints: Car Insurance.”

Cons

• Limited Discounts for Off-Road Use: Jeep owners who use their vehicles off-road might find fewer specific discounts or coverage options tailored to their needs compared to other providers.
• Online Tools: The online management tools may not be as advanced as those of some competitors, potentially impacting ease of use for tech-savvy Jeep owners.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Premiums: Geico is known for providing some of the most competitive rates for Jeep insurance, with an A.M. Best rating of A++ highlighting top-notch financial strength.
• Significant Bundling Discounts: Geico’s 25% multi-policy discount makes it one of the best car insurance companies for Jeeps when bundling multiple policies, maximizing savings.
• User-Friendly Digital Tools: Geico offers excellent online tools and mobile apps, ideal for Jeep owners who prefer managing their policies digitally. Learn more in our article called”Geico Insurance Review & Complaints.”

Cons

• Limited Off-Road Coverage: Geico’s standard coverage options may not fully address the unique needs of Jeep owners who frequently drive off-road.
• Customer Service Variability: Some Jeep owners report less personalized customer service experiences, which might affect overall satisfaction.

#3 – Progressive: Best for Customizable Policies

Pros

• Customizable Coverage: Progressive provides highly customizable policies, making it one of the best car insurance companies for Jeeps with options to tailor coverage to specific needs, including off-road use.
• Snapshot Program: The Snapshot program allows Jeep drivers to potentially save based on their driving habits, adding a personalized discount opportunity.
• Substantial Discounts: Offers a 20% multi-policy discount, which can make it a cost-effective option for Jeep owners bundling auto with other insurance types. If you want to learn more about the company, head to our article called “Progressive Insurance Review & Complaints.”

Cons

• Higher Rates for High-Risk Drivers: Jeep owners with higher risk profiles might experience increased premiums, which could be less competitive compared to other insurers.
• Complex Policy Options: The wide range of policy options might be overwhelming, making it challenging for some Jeep owners to select the best coverage.

#4 – Allstate: Best for Strong Service

Pros

• Extensive Coverage Options: Allstate provides a comprehensive range of coverage options, including specialty coverage for Jeeps, supported by an A.M. Best rating of A+.
• Strong Customer Service: Known for excellent claims handling and customer service, Allstate ranks among the best car insurance companies for Jeeps by providing reliable support.
• Bundling Discounts: Offers a 10% multi-policy discount, making it a good choice for Jeep owners who bundle auto insurance with other policies. Read more through our Allstate insurance review.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, potentially making it less cost-effective for some Jeep owners.
• Regional Variability: Discounts and rates can vary significantly by region, affecting the overall affordability for Jeep owners in different locations.

#5 – USAA: Best for Military Benefits

Pros

• Exclusive Benefits for Military Families: USAA offers specialized benefits and competitive rates for military families, making it one of the best car insurance companies for Jeeps if you qualify for their membership.
• Exceptional Customer Service: Consistently receives high marks for customer satisfaction and claims handling, ensuring excellent service for Jeep owners.
• Comprehensive Coverage: Provides a broad range of coverage options tailored to the needs of military families, including specialized coverage for Jeeps. Unlock details in our article called “USAA Insurance Review & Complaints.”

Cons

• Eligibility Restrictions: Available only to military members and their families, limiting access for non-military Jeep owners.
• Limited Availability: Coverage is not available in all states, which might restrict options for Jeep owners depending on their location.

#6 – Liberty Mutual: Best for Unique Coverages

Pros

• Unique Coverage Options: Offers various unique coverage options for Jeep owners, including new car replacement and off-road coverage, with an A.M. Best rating of A.
• Significant Discounts: Provides a 20% multi-policy discount and other savings opportunities, making it a competitive choice for bundling insurance policies.
• Flexible Policies: Allows for extensive customization of policies to suit the specific needs of Jeep owners, including those who use their vehicles for off-roading. Learn more through our Liberty Mutual insurance review.

Cons

• Higher Premiums: Premiums might be higher compared to some other providers, which could impact affordability for Jeep owners.
• Customer Service Hours: Customer service availability may be limited compared to some competitors, which could affect access during off-hours.

#7 – Farmers: Best for Claims Service

Pros

• Broad Coverage Options: Offers a range of comprehensive coverage options, including specialized policies for Jeep owners, supported by an A.M. Best rating of A.
• Excellent Claims Service: Known for strong claims service and customer support, making it one of the best car insurance companies for Jeeps in terms of claims handling.
• Multi-Policy Discounts: Provides a 15% multi-policy discount, which can be advantageous for Jeep owners who bundle their auto insurance with other policies. Learn more through our Farmers insurance review.

Cons

• Higher Premium Costs: Premiums may be higher for some Jeep models compared to other insurers, potentially making it less affordable.
• Discount Availability: Discounts might not be as extensive or tailored to specific Jeep models, which could limit savings opportunities.

#8 – Nationwide: Best for Safety Discounts

Pros

• Safety Discounts: Offers strong safety discounts and accident-free rewards for Jeep drivers, supported by an A.M. Best rating of A+, making it a cost-effective choice for safe drivers.
• Reliable Customer Service: Known for dependable customer service and claims handling, making it a top choice among the best car insurance companies for Jeeps.
• Customizable Coverage: Provides a range of customizable coverage options, allowing Jeep owners to tailor their insurance to their specific needs. Access comprehensive insights into our article called “Nationwide Insurance Review & Complaints: Auto, Home, Health & Pet Insurance.”

Cons

• Rate Variability: Rates and discounts may vary significantly based on location, affecting overall cost for Jeep owners in different regions.
• Limited Vehicle-Specific Discounts: May offer fewer discounts specifically tailored to Jeep models, potentially reducing savings.

#9 – American Family: Best for Bundling Discounts

Pros

• Bundling Discounts: Offers substantial savings through bundling auto with home insurance, including a 15% multi-policy discount, which benefits Jeep owners.
• Comprehensive Coverage: Provides a wide range of coverage options, including those suitable for Jeep owners, supported by an A.M. Best rating of A.
• Strong Customer Service: Known for excellent customer service and claims processing, ensuring a positive experience for Jeep drivers. Delve into our evaluation of “American Family Insurance Review & Complaints: Auto, Home & Life Insurance.”

Cons

• State Availability: Coverage might not be available in all states, limiting access for Jeep owners in certain locations.
• Premium Costs: Premiums can be higher compared to some other insurers, potentially affecting affordability for some Jeep owners.

#10 – Travelers: Best for Extensive Coverage

Pros

• Extensive Coverage Options: Offers a broad array of coverage options, including specialized policies for Jeeps, supported by an A.M. Best rating of A++.
• Competitive Rates: Provides competitive rates and a 13% multi-policy discount, making it a cost-effective choice for Jeep owners looking to bundle insurance policies. Learn more through our Travelers insurance review.
• Effective Online Management: Offers comprehensive online tools for managing policies and filing claims, enhancing convenience for Jeep drivers.

Cons

• Regional Rate Differences: Rates and discounts can vary significantly by region, potentially affecting overall affordability for Jeep owners.
• Customer Service Response Time: Customer service response times can be slower during peak periods, which might affect support availability for Jeep owners.

Understanding the Different Types of Coverage for Jeep

Depending on the coverage, your insurance company will cover bodily injury and property damage expenses in various situations. The most important types of car insurance coverage to consider are liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, and gap insurance.

Jeep Car Insurance Monthly Rates by Coverage Level & Provider

Liability insurance is required in all states except Virginia and New Hampshire and covers bodily injury and property damage expenses for other drivers and passengers involved in an accident you caused. Collision insurance covers damage resulting from a collision with another vehicle or object, requiring you to pay a deductible before the insurance covers the rest.

Comprehensive car insurance is similar to collision insurance but pays for damage from hitting an animal, fire, theft, vandalism, falling objects, and natural disasters, with the driver paying the deductible. Uninsured/underinsured motorist coverage is required in 14 states and covers your bodily injury and property damage expenses when hit by a driver with no or insufficient insurance.

Personal injury protection (PIP) is required in 12 states and covers medical expenses, lost wages, replacement services, and funeral expenses regardless of fault. Medical payments coverage is offered in states that don’t require PIP and covers the driver’s and passengers’ medical expenses following an accident up to the selected limit.

Gap insurance, or Guaranteed Asset Protection, covers the difference between the remaining loan balance and vehicle value if your leased or financed vehicle is totaled in an accident.

It is common for drivers to purchase coverage they don’t need, leading to higher insurance premiums. The best way to determine your coverage needs is to consider your location, vehicle, ownership status, and car insurance quotes. Location dictates the minimum amount of coverage needed, with 48 states requiring liability, personal injury protection, or uninsured/underinsured motorist insurance.

Drivers of newer vehicles can save thousands on repair or replacement costs by purchasing collision and comprehensive insurance. Leased and financed vehicle owners may be required to carry full coverage car insurance, including liability, comprehensive, collision, and gap insurance. Reviewing quotes from different car insurance companies helps find the most affordable coverage.

Even if you purchase too much or too little car insurance, most companies allow you to update or adjust coverage as needed.

Comparing Rates and Coverage Options for Jeep

Drivers are encouraged to shop around before purchasing a policy, which involves more than just comparing costs and coverage types. When selecting the best car insurance company for your Jeep, consider rates, coverage options, discounts, customer service, and reviews.

Car insurance rates can vary widely, so if a company’s rates are too high for your budget, it’s worth exploring other options. Comparing car insurance quotes can help you find a provider that fits your financial needs.

Ensure that the coverage options in your quote meet your needs, with clear details on limits and deductibles, and be aware that making adjustments may alter the price.

Most insurance companies offer discounts to lower costs, including anti-theft, good student, multiple policies, multiple vehicles, and paid-in-full discounts. These discounts can vary by company and state, so availability may differ for each driver. Enter your ZIP code now.

Contacting Customer Service

Contact customer service for claims, coverage changes, adding drivers, or roadside assistance. When choosing between insurance companies, check their customer service availability—ideally 24/7 via phone, email, chat, or app.

Customer reviews can reveal details about coverage, rates, discounts, and service quality. Ratings from organizations like the BBB, A.M. Best, J.D. Power, and the NAIC can also help with comparisons.

If your initial premium is high, remember you can take steps to lower it, such as avoiding accidents, improving your credit, increasing your deductible, bundling policies, enrolling in usage-based car insurance programs, and adjusting coverage. Rates often drop with age and experience, so consider shopping around periodically.

The Bottom Line: Jeep Car Insurance is More Affordable Than You Think

Jeep car insurance rates are flexible because they are influenced by so many factors.  Even after the insurance company has presented you with your initial auto insurance quote, you don’t have to settle.

Whether you purchase liability, comprehensive car insurance, collision, gap insurance, uninsured/underinsured motorist, medical payments, personal injury protection, or other types of coverage, it is possible to build your perfect car insurance policy for an affordable cost. Enter your ZIP code now to begin comparing.