Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually for full coverage. Comprehensive costs approximately $296, collision costs $552, and liability coverage costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing around $3,086. Teen drivers cost the most to insure at $5,324 a year or more.

Average premium for full coverage: $1,422

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below shows estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $814
• Drivers who choose higher $1,000 deductibles will pay $190 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,422
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,798
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,086 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,324 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 driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $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 should be prepared to pay in the ballpark of $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 could be paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $570 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,030 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, and 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 the Best Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the data that was touched on above.

• Drivers can save around $170 per year simply by shopping early and online
• Consumers who purchase additional liability coverage will pay about $460 each year to go from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, costing up to $444 each month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,660 more per year than a driver with a clean driving record