Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive insurance costs around $296, collision costs $552, and liability costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $3,086 or more. 16-year-old drivers cost the most to insure at $5,324 a year or more.

Average premium for full coverage: $1,422

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code, instead of using rate averages.

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

Additional Rate Analysis

The chart below details estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $814
• Using higher $1,000 deductibles will save about $190 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,422
• Buying pricier low deductibles for physical damage coverage will cost an additional $376 every year
• Drivers with multiple tickets or accidents could pay at least $3,086 or more
• Policy cost that insures a teen driver for full coverage can be $5,324 or more

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee also range considerably based on the model of your Grand Cherokee, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 in extra premium every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Jeep Grand Cherokee insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,920 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $570 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted 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 the Best Cheap Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a quick review of the concepts that were touched on above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,660 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $444 each month if the policy includes full coverage
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date