Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year including full coverage. Comprehensive costs an estimated $296 a year, collision costs $552, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers 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 broken down by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical 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 can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area, instead of using average rates.

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

Rates by State, City, and Model

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

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

View Chart as Image

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 liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $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 a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may 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 can expect to pay at least $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,030 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates 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 Low Cost Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every time your policy renews by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The following list is a review of the information raised in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting early and online
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $444 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,660 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay an extra $460 per year to go from a 30/60 limit to the 250/500 level