Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually with full coverage. Comprehensive insurance costs an estimated $306 a year, collision costs $566, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $3,096 or more. 16-year-old drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

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 full coverage rate is $818
• Drivers who choose higher $1,000 deductibles will pay approximately $1,232 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,428
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $386 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,096 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,310 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $590 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,930 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, so the rates will be varied 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 Affordable Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to compare rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data covered in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay around $440 every year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers age 16 to 20 are charged the highest rates, as much as $443 each month including comprehensive and collision insurance