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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Estimated 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 is $274. A liability-only policy costs around $322 a year, with high-risk insurance costing $3,698 or more. Teenage drivers pay the most at $5,920 a year or more.
Average premium for full coverage: $1,690
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Grand Cherokee 4xe trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jeep Grand Cherokee 4xe go from the low end price of $322 for just liability insurance to a high of $3,698 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why it is important to compare rates quotes using their specific location, instead of making a decision based on average rates.
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 shows estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $913
- Raising to $1,000 deductibles will save $1,394 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,690
- Using low $100 deductibles will cost an additional $582 annually
- Drivers who are prone to accidents and violations could pay around $3,698 or more
- An auto insurance policy that insures a 16-year-old driver can cost $5,920
Auto insurance prices for a Jeep Grand Cherokee 4xe also have a wide range based on the trim level of your Grand Cherokee 4xe, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $2,000 to $2,700 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 46% to 132% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have 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 $1,110 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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% |
Using high physical damage deductibles can reduce prices by up to $880 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.
| 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 Cheap Jeep Grand Cherokee 4xe Insurance
Finding better rates on insurance for a Jeep Grand Cherokee 4xe consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
The items below are a brief summary of the information raised in the charts and tables above.
- Drivers can save around $220 per year simply by quoting early and online
- Teen drivers have the highest car insurance prices, as much as $493 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $875 each year
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $2,010 more per year to insure their Grand Cherokee 4xe
- Insureds who purchase more liability coverage will pay an extra $300 each year to raise from 30/60 bodily injury limits to the 250/500 level
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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