Jeep Grand Cherokee Insurance Rates

Average insurance rates for a Jeep Grand Cherokee are $1,422 a year including full coverage. Comprehensive costs an estimated $296, collision costs $552, and liability coverage costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing around $3,086. Teen drivers receive the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Grand Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The lowest rate with discounts is $814
• Drivers who choose higher $1,000 deductibles will pay approximately $190 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,422
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,798
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,086 or more
• The cost for full coverage for a teenage driver with full coverage can cost as much as $5,324 a year

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the model of your Grand Cherokee, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,300 a year. View Rates by Age

Where you live makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,030 on average in Louisiana, New York, and Michigan.

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Choosing high deductibles could save up to $570 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different 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 Cheap Jeep Grand Cherokee Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a brief summary of the data that was covered above.

• You may be able to save approximately $170 per year simply by shopping early and online
• Consumers who want additional liability coverage will pay about $460 per year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $444 per month if full coverage is included
• Drivers that tend to have accidents or serious violations may pay on average $1,660 more annually than a driver with a clean driving record