Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year for full coverage. Comprehensive insurance costs approximately $296 a year, collision costs $552, and liability coverage costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing $3,086 or more. Teens cost the most to insure at $5,324 a year or more.

Average premium for full coverage: $1,422

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $814
• Drivers who choose higher $1,000 deductibles will pay $1,232 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,422
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $376 each year
• High-risk insureds with serious driving violations could pay around $3,086 or more
• Policy cost for full coverage for a teenage driver can cost $5,324 a year

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the trim level of your Grand Cherokee, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,030 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, so rate quotes 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 Affordable Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief review of the concepts that were presented in the illustrations above.

• Drivers with DUI or reckless driving convictions may pay on average $1,660 more per year for car insurance
• Teenagers pay the highest auto insurance rates, costing up to $444 each month if full coverage is included
• Drivers can save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers can save around $170 per year simply by quoting early and online