Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,422 every 12 months with full coverage. Comprehensive costs around $296, collision costs $552, and liability coverage costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $3,086. 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:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $814
• Using higher $1,000 deductibles will save about $190 annually
• The average price for a good driver age 40 using $500 deductibles is $1,422
• Using more expensive low deductibles for physical damage coverage increases the price to $1,798
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,086 or more
• Policy cost to insure a teenage driver with full coverage can be $5,324 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $570 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 may be forking out at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and 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 Low Cost Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The points below are a review of the concepts that were covered in the charts and tables above.

• Drivers who have several accidents or serious violations pay on average $1,660 more every year to insure a Jeep Grand Cherokee
• Drivers under the age of 20 are charged the highest rates, as much as $444 each month if full coverage is included
• You may be able to save up to $170 per year simply by shopping 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 shopping early and online