Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,422 every 12 months including full coverage. Comprehensive insurance costs around $296 a year, collision costs $552, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $3,086 or more. Teenage 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:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $814
• Raising to $1,000 deductibles will save about $1,232 every year
• The average price for a good driver age 40 using $500 deductibles is $1,422
• Using low $100 deductibles costs an extra $376 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,086 or more
• Policy cost to insure a teen driver can be $5,324

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

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

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,030 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance 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 Shop for the Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a recap of the concepts that were touched on above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,660 more every year than a safer driver
• Drivers age 16 to 20 pay higher rates, with premiums being up to $444 each month if they have full coverage
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• You may be able to save up to $170 per year simply by quoting early and online