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Jeep auto insurance: what you need to know.

Today’s Jeep comes in a variety of styles, makes, and models, all of which can affect your insurance rates depending on the one you choose.

For example, the year of the model can change the rates being paid (depending on different safety features and other options available).

This overview will take a deeper dive into the history of the Jeep and what owners of a Jeep might pay in auto insurance.

Your questions about Jeep auto insurance, answered.

How much does car insurance cost for a Jeep?

A multitude of variables determines how much you pay for car insurance. The car model you choose is one of them. We’ve run sample quotes for two of Jeep’s best-selling models so you can see at a glance how much you might end up paying. All prices are in Canadian dollars. 

We also consulted crash-test reports from the Insurance Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) to give you a better sense of the safety rankings for each vehicle, as these can play into a vehicle’s insurance rates.

 

Jeep Wrangler

Estimated Premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female (40) from Ontario2020 Jeep Wrangler Sport 4WD$84.42/month$277.17/month
Male (40) from Ontario2020 Jeep Wrangler Sport 4WD$87.33/month$289.00/month

About the Jeep Wrangler

  • The last new edition of the Jeep Wrangler was released in 2017, yet it remains one of Canada’s most popular Jeep models. However, the Jeep Wrangler is not known for its safety.
  • The IIHS awarded the 2017 Wrangler poor scores for its crashworthiness, receiving a Marginal rating for the small overlap front on the driver’s side and a Poor rating for the vehicle.
  • In addition, the headlines were also given a poor rating, and the child seat anchors were given a marginal rating. The 2016 Wrangler performed similarly.
  • The Jeep Wrangler, for which new models were released between 1997 and 2017, was also given sub-par ratings by the NHTSA. The vehicle received no higher than four stars, and often received three stars, across all categories.
  • The vehicle received no higher than four stars, and often received three stars, across all categories.
  • The Jeep Wrangler can range from $33,695 to $49,040 depending on the model and trim.

Jeep Grand Cherokee

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Jeep Grand Cherokee Limited 4DR$117.17/month$371.58/month
Male, age 30, Ontario2020 Jeep Grand Cherokee Limited 4DR 4WD$120.33/month$386.92/month

About the Jeep Grand Cherokee

  • The Jeep Grand Cherokee has a reputation for ably taking on tough terrain, but sometimes falls short when it comes to safety.
  • The IIHS awarded the Grand Cherokee 2020 scores of 'good' in several categories of crashworthiness, but a score of 'marginal to poor' for the small overlap front on both the driver and passenger sides.
  • In addition, the 2020 Grand Cherokee received a marginal score for its child seat anchors and an acceptable-poor score for its headlights depending on the trim.
  • The NHTSA, on the other hand, awarded the Grand Cherokee four or five stars in every category except for a handful of years where the vehicle received three stars in the rollover category.
  • The Jeep Grand Cherokee is priced from $37,749 to $105,495 depending on the model, year, and trim.

How auto insurance quotes for Jeeps are calculated

Beyond the car you drive, your personal driving history, as well as your age and gender, and your postal code, have a major impact on how much you pay each month for car insurance.

In order to show sample quotes, we had to create user personas: one male and one female.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the LowestRates.ca office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors that influence your auto insurance rate

As mentioned, many factors can influence your auto insurance rates beyond the type of car you are buying.

  • Your driving record: It stands to reason that insurance companies are concerned with risk. The less risk they incur, the better the rates they can offer. If you have a poor driving record and are a high-risk driver, insurance companies will take note of that which will reflect in your premiums. Careful drivers with clean records will necessarily have better insurance rates. Consider it a reward for your safety efforts.
  • Type of auto insurance: The more comprehensive your policy, the higher your premium will be. 
  • Age of your vehicle: can also have an effect on your insurance rate premiums. Newer cars (generally) have fewer problems and therefore fewer costs to deal with. Older cars need greater maintenance and upkeep with the potential for more frequent trips to the mechanic. Your insurance company will factor that in and adjust rates based on those risks.
  • Your age: Insurance providers look at your age as well when considering rates. Younger drivers are considered to be higher risk drivers with less experience.
  • Where you live: Also, heavy traffic or congested city-dwelling would also be considered higher risk given the number of vehicles on the road and potential for accidents as compared to less populated rural areas. Cities also pose the issue of greater break-ins and theft.

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