Jeep Grand Cherokee Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 7, 2024
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Average insurance rates for a Jeep Grand Cherokee are $1,428 a year including full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $566, and liability is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs $3,096 or more. Teenage drivers receive the highest rates at up to $5,310 a year.
Average premium for full coverage: $1,428
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Grand Cherokee trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $460 for your basic liability-only policy to a much higher rate of $3,096 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using average rates.
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 Information
The chart below breaks down average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The best discount rate is $818
- Choosing higher $1,000 deductibles can save $196 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,428
- Using more expensive low deductibles for comp and collision coverage will cost an extra $386 every year
- Unlucky drivers who are prone to accidents and violations could pay around $3,096
- The cost for full coverage for a teen driver with full coverage can cost $5,310 each year
Auto insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the model of your Grand Cherokee, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Grand Cherokee insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,040 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$134 | -9.4% |
| Alaska | $1,098 | -$330 | -23.1% |
| Arizona | $1,186 | -$242 | -16.9% |
| Arkansas | $1,428 | -$0 | 0.0% |
| California | $1,630 | $202 | 14.1% |
| Colorado | $1,364 | -$64 | -4.5% |
| Connecticut | $1,472 | $44 | 3.1% |
| Delaware | $1,616 | $188 | 13.2% |
| Florida | $1,790 | $362 | 25.4% |
| Georgia | $1,322 | -$106 | -7.4% |
| Hawaii | $1,026 | -$402 | -28.2% |
| Idaho | $968 | -$460 | -32.2% |
| Illinois | $1,066 | -$362 | -25.4% |
| Indiana | $1,078 | -$350 | -24.5% |
| Iowa | $966 | -$462 | -32.4% |
| Kansas | $1,360 | -$68 | -4.8% |
| Kentucky | $1,950 | $522 | 36.6% |
| Louisiana | $2,116 | $688 | 48.2% |
| Maine | $884 | -$544 | -38.1% |
| Maryland | $1,180 | -$248 | -17.4% |
| Massachusetts | $1,144 | -$284 | -19.9% |
| Michigan | $2,484 | $1,056 | 73.9% |
| Minnesota | $1,196 | -$232 | -16.2% |
| Mississippi | $1,714 | $286 | 20.0% |
| Missouri | $1,268 | -$160 | -11.2% |
| Montana | $1,536 | $108 | 7.6% |
| Nebraska | $1,128 | -$300 | -21.0% |
| Nevada | $1,716 | $288 | 20.2% |
| New Hampshire | $1,032 | -$396 | -27.7% |
| New Jersey | $1,598 | $170 | 11.9% |
| New Mexico | $1,268 | -$160 | -11.2% |
| New York | $1,506 | $78 | 5.5% |
| North Carolina | $824 | -$604 | -42.3% |
| North Dakota | $1,172 | -$256 | -17.9% |
| Ohio | $988 | -$440 | -30.8% |
| Oklahoma | $1,470 | $42 | 2.9% |
| Oregon | $1,310 | -$118 | -8.3% |
| Pennsylvania | $1,364 | -$64 | -4.5% |
| Rhode Island | $1,908 | $480 | 33.6% |
| South Carolina | $1,296 | -$132 | -9.2% |
| South Dakota | $1,206 | -$222 | -15.5% |
| Tennessee | $1,252 | -$176 | -12.3% |
| Texas | $1,724 | $296 | 20.7% |
| Utah | $1,058 | -$370 | -25.9% |
| Vermont | $980 | -$448 | -31.4% |
| Virginia | $856 | -$572 | -40.1% |
| Washington | $1,106 | -$322 | -22.5% |
| West Virginia | $1,312 | -$116 | -8.1% |
| Wisconsin | $990 | -$438 | -30.7% |
| Wyoming | $1,274 | -$154 | -10.8% |
Using high physical damage deductibles can save as much as $590 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 43% to 133% more than a normal policy. 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 | $1,304 | $109 |
| Jeep Grand Cherokee Laredo 4WD | $1,304 | $109 |
| Jeep Grand Cherokee Limited 2WD | $1,428 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,428 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,472 | $123 |
| Jeep Grand Cherokee | $1,474 | $123 |
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 | $320 | $570 | $390 | $1,438 |
| 2023 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2022 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2021 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2019 Jeep Grand Cherokee | $260 | $474 | $452 | $1,344 |
| 2017 Jeep Grand Cherokee | $240 | $400 | $460 | $1,258 |
| 2016 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2015 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2014 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2013 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2011 Jeep Grand Cherokee | $176 | $248 | $474 | $1,056 |
| 2010 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2009 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2008 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2007 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2006 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2005 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 the Best Cheap Jeep Grand Cherokee Insurance
Saving money on car insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The following is a quick review of the car insurance concepts covered above.
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,670 more per year for Grand Cherokee insurance
- You may be able to save around $170 per year just by shopping early and online
- Increasing deductibles can save around $575 each year
- Policyholders who purchase higher liability limits will pay an extra $440 per year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,310 |
| 20 | $3,306 |
| 30 | $1,496 |
| 40 | $1,428 |
| 50 | $1,306 |
| 60 | $1,282 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,814 |
| $250 | $1,636 |
| $500 | $1,428 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,428 |
| 50/100 | $1,542 |
| 100/300 | $1,626 |
| 250/500 | $1,846 |
| 100 CSL | $1,575 |
| 300 CSL | $1,761 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,582 |
| 20 | $5,258 |
| 30 | $3,168 |
| 40 | $3,096 |
| 50 | $2,956 |
| 60 | $2,930 |
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 | $107 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $102 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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