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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Jeep Grand Cherokee 4xe are $1,690 every 12 months for full coverage insurance. Comprehensive costs around $406, collision costs $900, and liability is estimated at $274. Liability-only insurance costs approximately $322 a year, with high-risk driver insurance costing around $3,698. 16-year-old drivers pay the most at $5,920 a year or more.
Average premium for full coverage: $1,690
Premium estimates for type of coverage:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and 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 go from the cheapest price of $322 for just liability coverage to the much higher price of $3,698 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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 illustrates estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $913
- Choosing higher $1,000 deductibles can save about $296 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,690
- Buying pricier low deductibles for comp and collision coverage increases the price to $2,272
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,698 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $5,920 each year
Insurance prices for a Jeep Grand Cherokee 4xe also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $880 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $246 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $2,000 to $2,700 additional annually, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers ranges from 46% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live 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 $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,280 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and 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 Shop for Cheap Jeep Grand Cherokee 4xe Insurance
Finding better rates on insurance for a Jeep Grand Cherokee 4xe takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a brief summary of the information touched on above.
- It is possible to save up to $220 per year simply by quoting online well ahead of the renewal date
- Teenagers are charged the highest prices, with premiums being up to $493 per month if full coverage is included
- Increasing policy deductibles could save as much as $875 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,010 more every year for car insurance
- Insureds who may need higher liability limits will pay around $300 annually to raise limits from 30/60 bodily injury limits to a 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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