Jeep Grand Cherokee Insurance Rates

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

Average premium for full coverage: $1,422

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $814
• Using higher $1,000 deductibles will save approximately $190 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,422
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,798
• Drivers with multiple violations and an at-fault accident could pay up to $3,086 or more
• The price that insures a teen driver with full coverage can cost as much as $5,324 or more

View Chart as Image

Car insurance prices for a Jeep Grand Cherokee are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,030 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $570 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

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 Affordable Jeep Grand Cherokee Insurance

Getting lower rates on Jeep Grand Cherokee insurance requires having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Shop around every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief review of the material that was presented in the illustrations above.

• Drivers who want additional liability coverage will pay about $460 each year to increase from a low limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $444 a month if full coverage is purchased
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,660 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $575 each year