Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,422 a year including full coverage. Comprehensive insurance costs around $296 a year, collision costs $552, and liability costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing $3,086 or more. Teenage drivers pay the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Price estimates for individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code and risk profile, instead of using average rates.

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

Additional 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
• Using higher $1,000 deductibles will save about $1,232 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,422
• Using low $100 deductibles for physical damage coverage will cost an extra $376 every year
• Drivers who are prone to accidents and violations could pay at least $3,086 or more
• The price for full coverage for a teen driver can be $5,324 or more

View Chart as Image

Insurance prices for a Jeep Grand Cherokee are also quite variable based on your driving record, the model of your Grand Cherokee, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

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 $1,090 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 cut prices by as much as $570 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different 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 the Right Jeep Grand Cherokee Insurance

Getting lower rates on car insurance requires being safe and accident-free, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a quick rundown of the ideas that were illustrated above.

• Youthful drivers pay higher prices, possibly costing $444 a month for full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,660 more every year than a low-risk driver
• Increasing physical damage deductibles can save around $575 each year
• You may be able to save up to $170 per year simply by quoting early and online