Jeep Grand Cherokee Insurance Rates

Average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive insurance costs approximately $296 each year, collision costs $552, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,086 or more. 16-year-old drivers receive the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Grand Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $814
• Using higher $1,000 deductibles will save $190 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,422
• Buying low deductibles for physical damage coverage will cost an extra $376 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,086 or more
• The cost for full coverage for a teenage driver can cost $5,324 or more

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live 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 Utah, Ohio, and New Hampshire, or at least $1,920 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $570 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

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 Jeep Grand Cherokee Insurance

Saving money on auto insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around once a year by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief recap of the data that was raised in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online in advance
• Consumers who purchase an increased level of liability coverage will pay around $460 every year to increase from a minimum limit to 250/500 limits
• Drivers age 16 to 20 have the highest car insurance rates, with premiums as much as $444 per month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,660 more per year than a safer driver