Jeep Grand Cherokee 4xe Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Grand Cherokee 4xe are $1,690 a year including full coverage. Comprehensive insurance costs around $406 each year, collision costs $900, and liability is estimated at $274. A liability-only policy costs approximately $322 a year, with high-risk insurance costing $3,698 or more. Teen drivers cost the most to insure at $5,920 a year or more.
Average premium for full coverage: $1,690
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee 4xe models.
Price Range Variability
For the average 40-year-old driver, Jeep Grand Cherokee 4xe insurance rates go from as low as $322 for just liability insurance to a high rate of $3,698 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based on 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.
More Rate Details
The chart below breaks down estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $913
- Choosing higher $1,000 deductibles can save about $296 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,690
- Choosing low deductibles for comp and collision coverage will cost an extra $582 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,698 or more
- Policy cost for full coverage for a 16-year-old driver can be $5,920 each year
Car insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on your risk profile, the model of your Grand Cherokee 4xe, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Jeep Grand Cherokee 4xe insurance prices. A good driver about age 40 could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,410 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,528 | -$162 | -9.6% |
| Alaska | $1,294 | -$396 | -23.4% |
| Arizona | $1,404 | -$286 | -16.9% |
| Arkansas | $1,690 | -$0 | 0.0% |
| California | $1,926 | $236 | 14.0% |
| Colorado | $1,612 | -$78 | -4.6% |
| Connecticut | $1,736 | $46 | 2.7% |
| Delaware | $1,910 | $220 | 13.0% |
| Florida | $2,112 | $422 | 25.0% |
| Georgia | $1,562 | -$128 | -7.6% |
| Hawaii | $1,214 | -$476 | -28.2% |
| Idaho | $1,144 | -$546 | -32.3% |
| Illinois | $1,260 | -$430 | -25.4% |
| Indiana | $1,274 | -$416 | -24.6% |
| Iowa | $1,142 | -$548 | -32.4% |
| Kansas | $1,602 | -$88 | -5.2% |
| Kentucky | $2,302 | $612 | 36.2% |
| Louisiana | $2,502 | $812 | 48.0% |
| Maine | $1,042 | -$648 | -38.3% |
| Maryland | $1,392 | -$298 | -17.6% |
| Massachusetts | $1,350 | -$340 | -20.1% |
| Michigan | $2,936 | $1,246 | 73.7% |
| Minnesota | $1,416 | -$274 | -16.2% |
| Mississippi | $2,024 | $334 | 19.8% |
| Missouri | $1,500 | -$190 | -11.2% |
| Montana | $1,818 | $128 | 7.6% |
| Nebraska | $1,332 | -$358 | -21.2% |
| Nevada | $2,028 | $338 | 20.0% |
| New Hampshire | $1,218 | -$472 | -27.9% |
| New Jersey | $1,886 | $196 | 11.6% |
| New Mexico | $1,496 | -$194 | -11.5% |
| New York | $1,780 | $90 | 5.3% |
| North Carolina | $972 | -$718 | -42.5% |
| North Dakota | $1,382 | -$308 | -18.2% |
| Ohio | $1,168 | -$522 | -30.9% |
| Oklahoma | $1,734 | $44 | 2.6% |
| Oregon | $1,552 | -$138 | -8.2% |
| Pennsylvania | $1,610 | -$80 | -4.7% |
| Rhode Island | $2,252 | $562 | 33.3% |
| South Carolina | $1,530 | -$160 | -9.5% |
| South Dakota | $1,426 | -$264 | -15.6% |
| Tennessee | $1,478 | -$212 | -12.5% |
| Texas | $2,034 | $344 | 20.4% |
| Utah | $1,252 | -$438 | -25.9% |
| Vermont | $1,154 | -$536 | -31.7% |
| Virginia | $1,012 | -$678 | -40.1% |
| Washington | $1,302 | -$388 | -23.0% |
| West Virginia | $1,552 | -$138 | -8.2% |
| Wisconsin | $1,170 | -$520 | -30.8% |
| Wyoming | $1,502 | -$188 | -11.1% |
Choosing high deductibles can save as much as $880 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $246 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers ranges from 46% to 132% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
| 2023 Jeep Grand Cherokee 4xe | $406 | $900 | $274 | $1,690 |
| 2022 Jeep Grand Cherokee 4xe | $392 | $862 | $284 | $1,648 |
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 More Affordable Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a summary of the primary concepts that were touched on in this article.
- You may be able to save up to $220 per year simply by quoting online in advance
- Drivers considered higher risk who have multiple accidents or major violations pay on average $2,010 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save around $875 each year
- Teenage drivers are the costliest to insure, with premiums being up to $493 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,920 |
| 20 | $3,946 |
| 30 | $1,798 |
| 40 | $1,690 |
| 50 | $1,540 |
| 60 | $1,514 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,272 |
| $250 | $1,998 |
| $500 | $1,690 |
| $1,000 | $1,394 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,690 |
| 50/100 | $1,745 |
| 100/300 | $1,813 |
| 250/500 | $1,991 |
| 100 CSL | $1,772 |
| 300 CSL | $1,923 |
| 500 CSL | $2,033 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,576 |
| 20 | $6,294 |
| 30 | $3,818 |
| 40 | $3,698 |
| 50 | $3,526 |
| 60 | $3,500 |
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 | $95 |
| Multi-vehicle | $89 |
| Homeowner | $21 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $114 |
| Paid in Full/EFT | $92 |
| Advance Quote | $94 |
| Online Quote | $126 |
| Total Discounts | $777 |
Discounts are estimated and may not be available from every company or in every state.
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