Jeep Grand Cherokee Insurance Rates

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

Average premium for full coverage: $1,422

Policy rates for type of insurance:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The best discount rate is $814
• Drivers who choose higher $1,000 deductibles will pay about $1,232 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,422
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,798
• High risk drivers who are prone to accidents and violations could pay at least $3,086 or more
• Policy cost that insures a teen driver can be $5,324 a year

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee also range considerably based on the trim level of your Grand Cherokee, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $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 $1,090 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,030 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $570 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 Best Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance not only requires being a safe and courteous driver, but also having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a brief recap of the coverage data touched on in the above illustrations.

• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teenage drivers are the costliest to insure, with premiums being up to $444 each month if full coverage is purchased
• High-risk drivers who tend to receive serious violations may have to pay on average $1,660 more every year for auto insurance