Jeep Grand Cherokee Insurance Rates

U.S. average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually for full coverage insurance. Comprehensive costs around $296, collision costs $552, and liability coverage 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, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

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

More Rate Information

The chart below illustrates 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 each 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
• Drivers who are prone to accidents and violations could pay at least $3,086 or more
• The price with full coverage for a teenage 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 risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $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 probably paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $570 a year, while increasing your policy's liability limits will increase prices. Switching 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 $930 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,920 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. 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 auto insurance takes being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the concepts that were covered above.

• Drivers that have major violations or accidents pay on average $1,660 more every year than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $444 a month if comprehensive and collision insurance is included
• It is possible to save up to $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $575 each year
• It is possible to save up to $170 per year simply by shopping early and online