Jeep Grand Cherokee Insurance Rates

U.S. average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually including full coverage. Comprehensive costs around $296, collision costs $552, and liability insurance is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing around $3,086. Teenage drivers pay the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Price estimates for individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $814
• Choosing higher $1,000 deductibles can save about $190 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,422
• Using more expensive low deductibles for comp and collision coverage will cost $1,798
• High-risk insureds who are prone to accidents and violations could pay at least $3,086 or more
• The price with full coverage for a teen driver with full coverage can be $5,324 each year

View Chart as Image

Car insurance prices for a Jeep Grand Cherokee are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Jeep Grand Cherokee insurance rates. A good driver about age 40 could pay as low as $1,090 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

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different 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 Cheapest Jeep Grand Cherokee Insurance

Getting lower rates on Jeep Grand Cherokee insurance takes being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the data that was raised in the charts and tables above.

• You may be able to save up to $170 per year simply by shopping early and online
• Drivers who may need more liability protection will pay an extra $460 per year to raise limits from a low limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $444 a month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may pay on average $1,660 more every year than a low-risk driver