Jeep Grand Cherokee Insurance Rates

Average insurance rates for a Jeep Grand Cherokee are $1,428 a year including full coverage. Comprehensive insurance costs an estimated $306 a year, collision costs $566, and liability insurance is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing $3,096 or more. Teen drivers receive the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

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

These examples highlight why it is important to get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $818
• Choosing higher $1,000 deductibles can save approximately $1,232 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,428
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $386 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,096 or more
• The cost for full coverage for a teen driver can cost as much as $5,310 each year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the model of your Grand Cherokee, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Jeep Grand Cherokee insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,040 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $590 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly 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 Best Jeep Grand Cherokee Insurance

Saving money on Jeep Grand Cherokee insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing deductibles can save around $575 each year
• Drivers under the age of 20 are expensive to insure, as much as $443 per month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,670 more annually to insure a Jeep Grand Cherokee