Jeep Commander Insurance Rates

The average insurance rates for a Jeep Commander are $920 a year for full coverage. Comprehensive insurance costs an estimated $150, collision costs $170, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $1,968 or more. Teenage drivers cost the most to insure at $3,734 a year or more.

Average premium for full coverage: $920

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Commander models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows estimated Jeep Commander insurance rates for other coverage scenarios.

• The best discount rate is $569
• Drivers who choose higher $1,000 deductibles will pay approximately $74 a year
• The average rate for a good driver age 40 who has $500 deductibles is $920
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $136 a year
• High risk drivers who are prone to accidents and violations could pay up to $1,968 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $3,734 a year

View Chart as Image

Insurance rates for a Jeep Commander also range considerably based on your risk profile, the trim level of your Commander, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $3,700 a year. View Rates by Age

Your home state makes a big difference in Jeep Commander insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,310 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $210 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,100 to $1,600 extra every year, depending on your age. Jeep Commander insurance for high-risk drivers can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Affordable Jeep Commander Insurance

Finding cheaper rates on Jeep Commander insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief review of the material that was touched on above.

• Drivers who want more liability coverage will pay an extra $490 each year to go from a 30/60 limit to 250/500 limits
• Teen drivers are charged the highest rates, costing up to $311 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,050 more annually to insure their Commander
• Increasing comprehensive and collision deductibles can save around $200 each year