Jeep Car Insurance Cost & Quotes Comparison

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Things to Know About Insuring Jeep Vehicles

Summary

  • The first vehicle that became the Jeep brand was the 1941 Willys MB, a military vehicle available to the public in 1945.
  • Originally designated “GP” for “general purpose,” the name shortened to “Jeep” in popular phonetic usage.
  • All Jeep models feature better than average occupant protection, potentially lowering car insurance rates.
  • Jeep TJ models cost less to repair after accidents. There’s no pattern with other models.
  • TJs also perform better than average for comprehensive claims, while all other models spread evenly between low, average and high costs for repairs and loss.

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How Much Does Car Insurance Cost For Jeep

The table below shows Jeep car insurance cost for a sample driver.

CityAverage Jeep Car Insurance Cost*
Quebec City$599
Longueuil$611
Montreal$792
Gatineau$822
Laval$890
Ottawa$914
Kitchener$953
London$1,072
Calgary$1,093
Halifax$1,093
Windsor$1,171
Edmonton$1,185
Hamilton$1,221
Richmond Hill$1,235
Markham$1,235
Toronto$1,247
Mississauga$1,409
Brampton$1,583
Vaughan$1,849

 

Methodology: We surveyed Jeep car insurance prices in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Jeep CHEROKEE LIMITED 4DR 2015 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, enter your postal code above.

Jeep Model Factors that Lower Auto Insurance Costs

The Jeep off-road image suggests an insurance nightmare to some, but in fact, most Jeeps start with very reasonable insurability factors. Many models are quite at home in the wilds of the shopping mall parking, popular with families who want the convenience of an SUV or crossover style with more appeal than the typical suburban minivan.

Jeeps have never been high-performance street racers, so already there are insurance advantages. When the Insurance Bureau of Canada collects claims information from all incidents in the country, Jeep models do very well in accident benefits performance. The frequency of claim in this category suggests how vehicles protect drivers and passengers. All years of Jeep Grand Cherokee since 2008 have fewer personal injury claims than average, as have all years of the Wrangler Unlimited model. Most vehicles fall in the average range and no Jeep model sees more personal injury claims than average.

Jeep’s current lineup consists of vehicles all in the SUV or crossover class. These designs gain popularity with active families who don’t feel a minivan fits their lifestyle. At the same time, most Jeep families aren’t so young that the insurance pitfalls of those under 25 remain. Many insurability factors combine to make Jeep models affordable across the board.

Jeep Model Factors that Increase Auto Insurance Costs

As a pioneer in four wheel and all wheel drive vehicles, the complexity of drive trains in Jeep models could contribute to rising repair costs after insurance claims. It’s difficult to draw conclusions from IBC data since various models and model years appear all over the board in terms of repair costs. For example, a Wrangler model from one year may cost less in collision claims, while the next model year exceeds average. Subsequent years could fall in the average range. This is the non-pattern that most Jeep models demonstrate for collision claims. Roughly, 1/3 of all models fall into low, average and high claims costs.

Comprehensive insurance claims show a similar pattern with an even closer 1/3 split between rankings. Late models show a slight trend toward more expensive claims, but this too is evenly split between models. Only the Jeep TJ, as mentioned, regularly performs below average in repair costs for both comprehensive and collision coverage.

The Cost of Customizing

Customizing Jeeps remains a popular hobby, raising the suspension or adding towing winches and other off-road gear. Modifying vehicles is a car insurance grey area, as many of these changes potentially undermine the safety factors built into and tested on the vehicles as originally supplied. This can put the driver of a modified vehicle into a difficult position. If an insurer is not informed of modifications and these become discovered after an accident, benefits could be denied, particularly if those mods played a part in causing the accident or aggravated damage. On the other hand, when a driver notifies the insurer of modifications, the insurance company can, with proper written notice, refuse to insure the vehicle. While there are companies that specialize in covering modified vehicles, and the insurance industry itself offers coverage through the Facility Association, such coverage may be substantially more expensive.

Known Issues with Jeep Vehicles

Some Jeep models have Takata airbags installed at manufacture. These airbags are part of a massive recall affecting many of the world’s car makers. Car and Driver magazine updates an article regularly covering the scope of the issue, including a complete list of vehicles, affected.

  • 2015 Cherokee models have a fire risk due to the close proximity between an air-conditioning line and exhaust manifolds.
  • Cherokees from 2014 and 2015 may have an airbag issue unrelated to the Takata recall, where airbags accidentally deploy during extreme off-road conditions.
  • 2014 Cherokee, Grand Cherokee and Grand Cherokee SRT models have a cruise control acceleration issue.
  • 2014 and 2015 Cherokees make up part of a recall addressing vulnerability to the remote hacking of the vehicle.
  • Cherokees and Commanders from 2005 to 2007 have an ignition switch recall in effect.
  • Commanders from 2006 to 2010 have a transmission issue where the vehicle may shift from park to neutral without driver intervention.
  • 2014 Jeep Compass and Patriot models with 2.4-liter engines have a possible problem involving loss of oil pressure causing stalling and engine failure.
  • A full list of Jeep recalls is found at com.

Tips for Finding the Lowest Jeep Car Insurance Rates

You can reduce the insurance you pay on your Jeep through car insurance discounts. Discounts are a remarkably under-utilized way to knock off dollars, possibly because not all insurance companies offer the same discounts. Another factor could be that insurers don’t strongly promote discounts among current clients. Why would they want customers to pay less, right?

Many motorists are familiar with multi-line discounts when a rate reduction occurs after combining car insurance and home coverage with the same provider. That’s just the beginning, however. Some discounts take safe driving history into account or provide reductions for retired or over 55 drivers. Others may cut the rates of young drivers who do well in high school as well as for those completing approved driver training. Usage-based insurance using telematics devices is now on the market from some insurance companies. Drivers can earn both participation and good driving discounts.

Not every insurer offers every discount. Check with your company, agent or broker to see which are available to you and insist that those for which you qualify get applied. Check this at least annually, since few insurers will automatically add discounts without your request.

Jeep In Depth

world war

Jeep is a popular trademark of American automobile which is a division of FCA US LLC (formerly Chrysler Group, LLC). The brand Jeep was acquired by the former Chrysler Corporation from its owner, American Automobile, in 1987. A range of Jeep’s products includes sports utility vehicles, pickup trucks, and off-road vehicles. The Jeep was used extensively by US armies during the Second World War and even after the war.

Popular Jeep Models

Cherokee, Grand Cherokee, Compass, Wrangler, Patriot, Liberty, Commander, Honcho, Gladiator, Trailhawk, Wagoneer

The Jeep Cherokee is a popular model in Canada. The Jeep Cherokee was ranked fifth in May 2015 among the top best-selling SUVs in Canada.

All Models

Jeep Cherokee
Jeep Commander
Jeep Compass
Jeep Grand Cherokee
Jeep Liberty
Jeep Patriot
Jeep Wrangler

Safety

The 2015 Jeep Cherokee is designed with safety in mind. Some of the safety features include full-length side-curtain, lane departure warning, side-thorax airbags, blind spot monitoring, crash mitigation, adaptive cruise control with stop and go, rear cross path detection, parallel and perpendicular park assist, and a 9-1-1 call button.

Cost of Replacing Parts

Jeep replacement parts are readily available all over Canada; the repair parts may be a little expensive compared to other vehicle brands.

Damage Susceptibility of Jeeps

Jeeps models are usually very reliable as the brand is known for engineering strong cars as indicated by the National Highway Traffic Safety Administration. Reliability ratings by The NHTSA indicated that the Cherokee had a reliability rating of 3 stars.

Likelihood of Theft

The Grand Cherokee ranks among the top ten most stolen cars, eighth on the list in Canada. Most vehicles are targeted for their parts, which are stripped down and resold. However, most recent Jeeps have tracking devices and alarm systems that significantly reduce the cases of theft in Canada.

References

  1. Jeep Canada
  2. Car and Driver: Takata Airbag Recall Information
  3. com: Jeep Recalls
  4. Insurance Bureau of Canada: How Cars Measure Up
  5. The Facility Association
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