Jeep Grand Cherokee Insurance Rates

Estimated auto insurance rates for a Jeep Grand Cherokee are $1,428 annually including full coverage. Comprehensive costs around $306, collision costs $566, and liability costs $398. A policy with only liability insurance costs as little as $460 a year, with a high-risk policy costing around $3,096. Teen drivers pay the most at $5,310 a year or more.

Average premium for full coverage: $1,428

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Grand Cherokee models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $818
• Drivers who choose higher $1,000 deductibles will pay about $196 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,428
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,814
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,096 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $5,310 a year

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Car insurance prices for a Jeep Grand Cherokee also have a wide range based on the model of your Grand Cherokee, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, 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 a few violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra annually, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $590 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,040 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially 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 More Affordable Jeep Grand Cherokee Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,670 more every year than a low-risk driver
• Increasing policy deductibles could save up to $575 each year
• Youthful drivers are the costliest to insure, with the cost nearing $443 per month if comprehensive and collision insurance is included