Jeep Grand Cherokee 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Jeep Grand Cherokee 4xe are $1,716 a year for full coverage insurance. Comprehensive insurance costs approximately $420, collision insurance costs $922, and liability is $264. Liability-only coverage costs around $312 a year, and high-risk coverage costs $3,748 or more. Teen drivers pay the most at up to $5,976 a year.
Average premium for full coverage: $1,716
Premium estimates by type of coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Grand Cherokee 4xe models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Jeep Grand Cherokee 4xe range from as low as $312 for just the minimum liability insurance to the much higher price of $3,748 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.
These rate differences illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates average Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $928
- Raising to $1,000 deductibles will save $304 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,716
- Choosing pricier low deductibles will cost an extra $598 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $3,748
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,976
Insurance prices for a Jeep Grand Cherokee 4xe also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age
Where you choose to live also has a big influence on Jeep Grand Cherokee 4xe insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,310 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,552 | -$164 | -9.6% |
| Alaska | $1,316 | -$400 | -23.3% |
| Arizona | $1,424 | -$292 | -17.0% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,954 | $238 | 13.9% |
| Colorado | $1,638 | -$78 | -4.5% |
| Connecticut | $1,760 | $44 | 2.6% |
| Delaware | $1,940 | $224 | 13.1% |
| Florida | $2,142 | $426 | 24.8% |
| Georgia | $1,584 | -$132 | -7.7% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,162 | -$554 | -32.3% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,292 | -$424 | -24.7% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,336 | $620 | 36.1% |
| Louisiana | $2,540 | $824 | 48.0% |
| Maine | $1,056 | -$660 | -38.5% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,370 | -$346 | -20.2% |
| Michigan | $2,976 | $1,260 | 73.4% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,842 | $126 | 7.3% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,238 | -$478 | -27.9% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,520 | -$196 | -11.4% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,758 | $42 | 2.4% |
| Oregon | $1,574 | -$142 | -8.3% |
| Pennsylvania | $1,634 | -$82 | -4.8% |
| Rhode Island | $2,286 | $570 | 33.2% |
| South Carolina | $1,554 | -$162 | -9.4% |
| South Dakota | $1,446 | -$270 | -15.7% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,268 | -$448 | -26.1% |
| Vermont | $1,170 | -$546 | -31.8% |
| Virginia | $1,030 | -$686 | -40.0% |
| Washington | $1,324 | -$392 | -22.8% |
| West Virginia | $1,574 | -$142 | -8.3% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,526 | -$190 | -11.1% |
Choosing high deductibles can reduce prices by up to $910 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $237 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $2,100 to $2,700 extra annually, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers is expensive and can cost as much as 45% to 137% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $438 | $930 | $258 | $1,736 |
| 2023 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
| 2022 Jeep Grand Cherokee 4xe | $406 | $900 | $274 | $1,690 |
Rates are averaged for all Jeep Grand Cherokee 4xe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Jeep Grand Cherokee 4xe Insurance
Finding better rates on car insurance consists of being a good driver, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the material that was touched on above.
- Policyholders who purchase an increased level of liability coverage will pay about $290 annually to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $498 per month for full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $2,030 more per year than a safer driver
- Increasing policy deductibles can save around $900 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,976 |
| 20 | $4,000 |
| 30 | $1,828 |
| 40 | $1,716 |
| 50 | $1,562 |
| 60 | $1,536 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,314 |
| $250 | $2,034 |
| $500 | $1,716 |
| $1,000 | $1,412 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,769 |
| 100/300 | $1,835 |
| 250/500 | $2,006 |
| 100 CSL | $1,795 |
| 300 CSL | $1,940 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,660 |
| 20 | $6,380 |
| 30 | $3,874 |
| 40 | $3,748 |
| 50 | $3,574 |
| 60 | $3,546 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $96 |
| Multi-vehicle | $90 |
| Homeowner | $21 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $94 |
| Advance Quote | $95 |
| Online Quote | $128 |
| Total Discounts | $788 |
Discounts are estimated and may not be available from every company or in every state.
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