Jeep Grand Cherokee 4xe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Grand Cherokee 4xe are $1,690 a year for full coverage. Comprehensive insurance costs approximately $406 a year, collision costs $900, and liability coverage is $274. Liability-only coverage costs around $322 a year, with high-risk coverage costing $3,698 or more. Teen drivers pay the highest rates at $5,920 a year or more.
Average premium for full coverage: $1,690
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Grand Cherokee 4xe trim levels.
Price Range from Low to High
For a driver in their 40's, Jeep Grand Cherokee 4xe insurance prices go from as low as $322 for just liability coverage to a high of $3,698 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and risk profile, rather than 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.
Detailed Rate Analysis
The chart below shows estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $913
- Raising to $1,000 deductibles will save $1,394 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,690
- Choosing low $100 deductibles will cost an extra $582 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,698 or more
- The price for full coverage for a teenage driver can cost $5,920
Auto insurance prices for a Jeep Grand Cherokee 4xe are also quite variable based on your driving record, the trim level of your Grand Cherokee 4xe, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age
The state you live in also has a big influence on Jeep Grand Cherokee 4xe insurance rates. A middle-age driver might find prices as low as $1,110 a year in states like Iowa, Maine, and Idaho, or as much as $2,410 on average in New York, Louisiana, and Michigan.
| 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 reduce prices by up to $880 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $246 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $2,000 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 46% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different 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 Cheaper Jeep Grand Cherokee 4xe Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a condensed summary of the information covered in the charts and tables above.
- Drivers can save around $220 per year simply by quoting early and online
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $493 a month if they have full coverage
- Increasing physical damage deductibles can save around $875 each year
- Drivers with multiple at-fault accidents may pay on average $2,010 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay about $300 each year to raise from a low limit to 250/500 limits
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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