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2019 Jeep Grand Cherokee Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2019 Jeep Grand Cherokee are $1,386 a year for full coverage. Comprehensive costs on average $294, collision costs $536, and liability costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing around $3,002. Teenage drivers receive the highest rates at $5,176 a year or more.

Annual premium for full coverage: $1,386

Rate estimates for 2019 Jeep Grand Cherokee Insurance

Comprehensive $294
Collision $536
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Jeep Grand Cherokee models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $460 for basic liability insurance to a much higher rate of $3,002 for a high risk driver.

Liability Only $460
Full Coverage $1,386
High Risk $3,002

View Chart as Image

2019 Jeep Grand Cherokee insurance rates compared
Column chart showing 2019 Jeep Grand Cherokee insurance prices range from $798 to $5,176 for full coverage

These differences show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2019 Jeep Grand Cherokee Insurance

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Looking for cheaper auto insurance rates for your Jeep Grand Cherokee? Finding cheaper insurance for a Jeep Grand Cherokee can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to shop for auto insurance and we’ll show you the proper way to quote coverages on a Jeep and get the cheapest rates from both online companies and local agents.

How to get insurance coverage quotes

Lowering your 2019 Jeep Grand Cherokee insurance coverage rates is an easy way to save money. The only thing you need to do is spend a few minutes to compare free auto insurance quotes online with multiple companies. This can be done in a couple of different ways.

  • One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form. This style of form eliminates the need for repetitive form entry for every prospective company. One quote request gets prices estimates direct from many companies.It’s the quickest way to get rates.
  • A different way to compare rate quotes consists of going to each individual company website to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from State Farm, Liberty Mutual and GEICO. You would be required to spend time on each company’s site and enter your information, which is why first method is reommended.
  • Even if you have time, the least recommended method to find cheaper rates is to spend time driving to different agent offices. The internet can eliminate the need for a local agent unless you have a need for the professional abilities that you can only get from talking to an agent. However, consumers can price shop online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but make absolute certain that you use equivalent coverages and limits for each quote you get. If you compare different data you will not be able to make a fair rate comparison.

Slick advertising tricks that work

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. All the ads state the claim that drivers will save a bundle after switching to their company.

How can each company save you money? Just pay attention to how they say it.

Many companies have specific characteristics for the type of customer that earns them a profit. For instance, a profitable customer might have to be between 25 and 40, has a clear driving record, and has excellent credit. A driver who matches that profile will get low prices as well as save when they switch companies.

Drivers who fall outside those standards will be charged more expensive rates which leads to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that much when switching. That is how companies can advertise the way they do. This really illustrates why it is so important to compare quotes as often as possible. It’s just too difficult to predict the company that will give you the biggest savings.

Affordable insurance coverage rates with discounts

Insurance coverage is not inexpensive, but you may find discounts that could drop your premiums quite a bit. A few discounts will be applied when you purchase, but some may not be applied and must be specially asked for prior to getting the savings.

  • New Vehicle Savings – Buying a new car instead of a used car is cheaper because new model year vehicles keep occupants safer.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% on Grand Cherokee insurance but check with your company.
  • Payment Discounts – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
  • Air Bag Discount – Vehicles equipped with air bags may get savings of 20% or more.
  • Clubs and Organizations – Having an affiliation with a qualifying organization could earn you a nice discount on your policy.
  • Driver Training Discounts – Taking time to complete a course in defensive driving could possibly earn you a 5% discount and also improve your driving technique.
  • Senior Discount – If you’re over the age of 55, you may qualify for better insurance coverage rates on Grand Cherokee insurance.
  • Student Driver Training – Teen drivers should successfully complete driver’s ed class in school or through a local driver safety program.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck.

To locate providers who offer online insurance coverage quotes, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Is my 2019 Jeep Grand Cherokee covered for smoke damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does insurance cover damages from a DUI accident?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need added coverage for expensive stereo equipment?
  • Does my 2019 Jeep Grand Cherokee need full coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, hospital visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a deer, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like attorney fees, funeral expenses, loss of income, court costs and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Grand Cherokee resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, rolling your car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

A penny earned…

Consumers switch companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, delays in responding to claim requests and even policy non-renewal. Whatever your reason, finding a new company can be easy and end up saving you some money.

Cheap 2019 Jeep Grand Cherokee insurance can be found on the web in addition to local insurance agencies, so you need to shop auto insurance with both to have the best selection. Some insurance companies may not offer rate quotes online and many times these small insurance companies provide coverage only through independent agents.

You just learned some good ideas how to compare 2019 Jeep Grand Cherokee insurance car insurance rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from a small mutual company.

Much more information about insurance coverage is located below:

Rates by U.S. City

2019 Jeep Grand Cherokee Insurance Rates by City
City Premium
New York City, NY $2,193
Los Angeles, CA $2,373
Philadelphia, PA $1,854
Jacksonville, FL $2,014
Phoenix, AZ $1,613
Chicago, IL $1,865
Houston, TX $2,174
Seattle, WA $1,353
Columbus, OH $1,159
Indianapolis, IN $1,180

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Jeep Grand Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $5,176
20 $3,208
30 $1,450
40 $1,386
50 $1,268
60 $1,244

Full coverage, $500 deductibles

Rates by Deductible

2019 Jeep Grand Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,754
$250 $1,584
$500 $1,386
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,386
50/100 $1,466
100/300 $1,565
250/500 $1,824
100 CSL $1,505
300 CSL $1,724
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Jeep Grand Cherokee Insurance Rates for High Risk Drivers
Age Premium
16 $7,382
20 $5,098
30 $3,068
40 $3,002
50 $2,864
60 $2,840

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.

SR-22 Surcharge $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $69
Online Quote $98
Total Discounts $588
Rate after discounts $798

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2019 Jeep Grand Cherokee Insurance Rates by State
State Premium
Alabama $1,254
Alaska $1,066
Arizona $1,152
Arkansas $1,386
California $1,582
Colorado $1,324
Connecticut $1,428
Delaware $1,570
Florida $1,736
Georgia $1,282
Hawaii $998
Idaho $940
Illinois $1,036
Indiana $1,044
Iowa $936
Kansas $1,320
Kentucky $1,894
Louisiana $2,054
Maine $858
Maryland $1,142
Massachusetts $1,110
Michigan $2,410
Minnesota $1,162
Mississippi $1,662
Missouri $1,232
Montana $1,490
Nebraska $1,094
Nevada $1,664
New Hampshire $1,000
New Jersey $1,552
New Mexico $1,230
New York $1,462
North Carolina $800
North Dakota $1,136
Ohio $958
Oklahoma $1,426
Oregon $1,272
Pennsylvania $1,324
Rhode Island $1,852
South Carolina $1,258
South Dakota $1,170
Tennessee $1,216
Texas $1,672
Utah $1,028
Vermont $950
Virginia $830
Washington $1,074
West Virginia $1,272
Wisconsin $962
Wyoming $1,236

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