Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,428 a year including full coverage. Comprehensive costs on average $306, collision costs $566, and liability insurance is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing around $3,096. Teenage drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $818
• Raising to $1,000 deductibles will save around $196 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,428
• Using pricier low deductibles will increase the cost to $1,814
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,096 or more
• Policy cost for full coverage for a teen driver for full coverage may cost $5,310

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the model of your Grand Cherokee, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age

Your home state also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,040 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 the Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the data presented in the illustrations above.

• Drivers who require more liability protection will pay an extra $440 per year to raise from a 30/60 limit to 250/500 limits
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• Youthful drivers are charged the highest rates, with premiums being up to $443 each month if they have full coverage