Jeep Commander Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 7, 2024
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U.S. average insurance rates for a Jeep Commander are $920 a year for full coverage. Comprehensive insurance costs around $150 a year, collision insurance costs $170, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $1,968 or more. 16-year-old drivers pay the highest rates at up to $3,734 a year.
Average premium for full coverage: $920
Price estimates for individual coverage:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Commander trim levels.
Price Range from Low to High
For a driver around age 40, Jeep Commander insurance prices range from the low end price of $496 for basic liability insurance to a high of $1,968 for a high-risk insurance policy.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why it is important to compare prices for a specific zip code, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows average Jeep Commander insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $569
- Using higher $1,000 deductibles will save about $846 a year
- The estimated price for the average middle-age driver using $500 deductibles is $920
- Buying low $100 deductibles for physical damage coverage will cost an additional $136 a year
- Drivers with multiple tickets or accidents could pay at least $1,968
- The price that insures a teen driver can be $3,734 or more
Insurance prices for a Jeep Commander are also quite variable based on the trim level of your Commander, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age
The state you live in has a huge impact on Jeep Commander insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,310 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$88 | -9.6% |
| Alaska | $706 | -$214 | -23.3% |
| Arizona | $766 | -$154 | -16.7% |
| Arkansas | $920 | -$0 | 0.0% |
| California | $1,048 | $128 | 13.9% |
| Colorado | $878 | -$42 | -4.6% |
| Connecticut | $948 | $28 | 3.0% |
| Delaware | $1,040 | $120 | 13.0% |
| Florida | $1,150 | $230 | 25.0% |
| Georgia | $850 | -$70 | -7.6% |
| Hawaii | $660 | -$260 | -28.3% |
| Idaho | $622 | -$298 | -32.4% |
| Illinois | $686 | -$234 | -25.4% |
| Indiana | $692 | -$228 | -24.8% |
| Iowa | $620 | -$300 | -32.6% |
| Kansas | $876 | -$44 | -4.8% |
| Kentucky | $1,256 | $336 | 36.5% |
| Louisiana | $1,362 | $442 | 48.0% |
| Maine | $568 | -$352 | -38.3% |
| Maryland | $758 | -$162 | -17.6% |
| Massachusetts | $738 | -$182 | -19.8% |
| Michigan | $1,598 | $678 | 73.7% |
| Minnesota | $768 | -$152 | -16.5% |
| Mississippi | $1,102 | $182 | 19.8% |
| Missouri | $816 | -$104 | -11.3% |
| Montana | $990 | $70 | 7.6% |
| Nebraska | $726 | -$194 | -21.1% |
| Nevada | $1,102 | $182 | 19.8% |
| New Hampshire | $662 | -$258 | -28.0% |
| New Jersey | $1,028 | $108 | 11.7% |
| New Mexico | $814 | -$106 | -11.5% |
| New York | $970 | $50 | 5.4% |
| North Carolina | $530 | -$390 | -42.4% |
| North Dakota | $754 | -$166 | -18.0% |
| Ohio | $636 | -$284 | -30.9% |
| Oklahoma | $944 | $24 | 2.6% |
| Oregon | $842 | -$78 | -8.5% |
| Pennsylvania | $878 | -$42 | -4.6% |
| Rhode Island | $1,228 | $308 | 33.5% |
| South Carolina | $832 | -$88 | -9.6% |
| South Dakota | $778 | -$142 | -15.4% |
| Tennessee | $808 | -$112 | -12.2% |
| Texas | $1,110 | $190 | 20.7% |
| Utah | $682 | -$238 | -25.9% |
| Vermont | $630 | -$290 | -31.5% |
| Virginia | $552 | -$368 | -40.0% |
| Washington | $714 | -$206 | -22.4% |
| West Virginia | $842 | -$78 | -8.5% |
| Wisconsin | $638 | -$282 | -30.7% |
| Wyoming | $820 | -$100 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $210 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Commander Sport 2WD | $882 | $74 |
| Jeep Commander Sport 4WD | $906 | $76 |
| Jeep Commander Limited 2WD | $934 | $78 |
| Jeep Commander Limited 4WD | $934 | $78 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Jeep Commander | $174 | $202 | $468 | $1,002 |
| 2008 Jeep Commander | $168 | $188 | $452 | $966 |
| 2007 Jeep Commander | $154 | $180 | $446 | $938 |
| 2006 Jeep Commander | $150 | $170 | $442 | $920 |
Rates are averaged for all Jeep Commander models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Jeep Commander Insurance
Getting lower rates on Jeep Commander insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a summary of the car insurance concepts covered above.
- High-risk drivers who have multiple accidents or major violations pay on average $1,050 more every year for Commander insurance
- Drivers can save up to $100 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $200 each year
- Drivers who may need higher liability limits will pay around $490 each year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,734 |
| 20 | $2,094 |
| 30 | $934 |
| 40 | $920 |
| 50 | $846 |
| 60 | $828 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,056 |
| $250 | $996 |
| $500 | $920 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $920 |
| 50/100 | $1,022 |
| 100/300 | $1,133 |
| 250/500 | $1,420 |
| 100 CSL | $1,067 |
| 300 CSL | $1,310 |
| 500 CSL | $1,487 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,330 |
| 30 | $1,980 |
| 40 | $1,968 |
| 50 | $1,882 |
| 60 | $1,862 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $46 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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