Jeep Grand Cherokee 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 Grand Cherokee are $1,422 a year with full coverage. Comprehensive costs around $296, collision insurance costs $552, and liability insurance is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs around $3,086. Teen drivers pay the highest rates at up to $5,324 a year.
Average premium for full coverage: $1,422
Price estimates for individual coverage:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Grand Cherokee trim levels.
Price Range from Low to High
For a driver around age 40, Jeep Grand Cherokee insurance prices range from as low as $474 for just liability insurance to a much higher rate of $3,086 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on price 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.
More Rate Details
The chart below details average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $814
- Raising to $1,000 deductibles will save about $190 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,422
- Choosing more expensive low deductibles will increase the cost to $1,798
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,086
- The price for full coverage for a teen driver with full coverage can be $5,324
Auto insurance prices for a Jeep Grand Cherokee are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age
The state you live in also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,920 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$134 | -9.4% |
| Alaska | $1,094 | -$328 | -23.1% |
| Arizona | $1,182 | -$240 | -16.9% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,360 | -$62 | -4.4% |
| Connecticut | $1,464 | $42 | 3.0% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,780 | $358 | 25.2% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $962 | -$460 | -32.3% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,072 | -$350 | -24.6% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,354 | -$68 | -4.8% |
| Kentucky | $1,942 | $520 | 36.6% |
| Louisiana | $2,106 | $684 | 48.1% |
| Maine | $876 | -$546 | -38.4% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,138 | -$284 | -20.0% |
| Michigan | $2,472 | $1,050 | 73.8% |
| Minnesota | $1,190 | -$232 | -16.3% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,264 | -$158 | -11.1% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,124 | -$298 | -21.0% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,026 | -$396 | -27.8% |
| New Jersey | $1,592 | $170 | 12.0% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,500 | $78 | 5.5% |
| North Carolina | $820 | -$602 | -42.3% |
| North Dakota | $1,164 | -$258 | -18.1% |
| Ohio | $984 | -$438 | -30.8% |
| Oklahoma | $1,460 | $38 | 2.7% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,356 | -$66 | -4.6% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,248 | -$174 | -12.2% |
| Texas | $1,716 | $294 | 20.7% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $974 | -$448 | -31.5% |
| Virginia | $854 | -$568 | -39.9% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,304 | -$118 | -8.3% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Choosing high deductibles can reduce prices by up to $570 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,300 | $108 |
| Jeep Grand Cherokee Laredo 4WD | $1,300 | $108 |
| Jeep Grand Cherokee Limited 2WD | $1,422 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,422 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,464 | $122 |
| Jeep Grand Cherokee | $1,462 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2023 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2022 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2021 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2019 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2017 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2016 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2015 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2014 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2013 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2011 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2010 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2009 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2008 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2007 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2006 Jeep Grand Cherokee | $138 | $170 | $442 | $908 |
Rates are averaged for all Jeep Grand Cherokee 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 Grand Cherokee Insurance
Getting lower rates on Jeep Grand Cherokee insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a summary of the concepts that were covered above.
- High-risk drivers who have multiple accidents or major violations pay an average of $1,660 more every year for Grand Cherokee insurance
- Teens are expensive to insure, costing up to $444 a month if they have full coverage
- You may be able to save up to $170 per year just by shopping early and online
- Increasing physical damage deductibles can save around $575 each year
- You may be able to save up to $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,324 |
| 20 | $3,294 |
| 30 | $1,484 |
| 40 | $1,422 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,624 |
| $500 | $1,422 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,533 |
| 100/300 | $1,621 |
| 250/500 | $1,851 |
| 100 CSL | $1,568 |
| 300 CSL | $1,763 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,598 |
| 20 | $5,246 |
| 30 | $3,154 |
| 40 | $3,086 |
| 50 | $2,946 |
| 60 | $2,920 |
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 | $76 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $608 |
Discounts are estimated and may not be available from every company or in every state.
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