Jeep Grand Cherokee Insurance Rates

Estimated insurance rates for a Jeep Grand Cherokee are $1,428 a year with full coverage. Comprehensive insurance costs on average $306, collision costs $566, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $3,096 or more. 16-year-old drivers pay the most at $5,310 a year or more.

Average premium for full coverage: $1,428

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Grand Cherokee trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $818
• Raising to $1,000 deductibles will save around $196 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,428
• Buying more expensive low deductibles will cost an additional $386 annually
• Drivers with multiple tickets or accidents could pay upwards of $3,096 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage may cost $5,310

View Chart as Image

Insurance prices for a Jeep Grand Cherokee also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find prices as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,930 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $590 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.

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 Affordable Jeep Grand Cherokee Insurance

Finding better rates on insurance for a Jeep Grand Cherokee consists of having a decent driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Comparison shop every couple of years by requesting rates from direct companies, and also from several local insurance agents.

The following items are a brief review of the material that was illustrated above.

• Insureds who require additional liability coverage will pay around $440 every year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay higher prices, possibly costing $443 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,670 more each year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $575 each year