Jeep Grand Cherokee Insurance Rates

U.S. average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually with full coverage. Comprehensive costs an estimated $306 a year, collision costs $566, and liability costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $3,096. Teenage drivers pay the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $818
• Using higher $1,000 deductibles will save approximately $1,232 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,428
• Using low $100 deductibles for physical damage coverage will cost $1,814
• High-risk insureds who are prone to accidents and violations could pay up to $3,096 or more
• The price with full coverage for a 16-year-old driver can cost as much as $5,310 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $590 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Jeep Grand Cherokee insurance prices. A driver around age 40 might see prices as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,930 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy Low Cost Jeep Grand Cherokee Insurance

Getting lower rates on insurance for a Jeep Grand Cherokee requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the coverage data illustrated above.

• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $575 each year
• Teen drivers have the highest car insurance prices, costing up to $443 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,670 more annually to insure their Grand Cherokee