Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months including full coverage. Comprehensive costs an estimated $306 each year, collision costs $566, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing around $3,096. Teens cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $818
• Choosing higher $1,000 deductibles can save approximately $196 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,428
• Selecting low deductibles for comp and collision coverage increases the price to $1,814
• Unlucky drivers with serious driving violations could pay up to $3,096 or more
• Policy cost to insure a teen driver can cost as much as $5,310 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $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 are likely paying $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Jeep Grand Cherokee insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,040 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, 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 Cheaper Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the concepts that were covered above.

• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,670 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $443 each month if full coverage is included
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• You may be able to save approximately $170 per year simply by quoting online in advance