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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Average insurance rates for a Jeep Grand Cherokee 4xe are $1,716 a year including full coverage. Comprehensive insurance costs around $420, collision costs $922, and liability insurance is estimated at $264. A liability-only policy costs approximately $312 a year, with high-risk insurance costing $3,748 or more. Teenage drivers receive the highest rates at $5,976 a year or more.
Average premium for full coverage: $1,716
Rate estimates for individual coverage type:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Grand Cherokee 4xe trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $312 for just the minimum liability insurance to a much higher rate of $3,748 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying 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.
Additional Rate Analysis
The chart below breaks down estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $928
- Choosing higher $1,000 deductibles can save about $304 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,716
- Using more expensive low deductibles for comp and collision coverage will cost an extra $598 a year
- High-risk insureds who are prone to accidents and violations could pay at least $3,748 or more
- The cost for full coverage for a teen driver with full coverage can be $5,976 each year
Insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on your driver profile, the model of your Grand Cherokee 4xe, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Grand Cherokee 4xe insurance rates. A good driver about age 40 could pay as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $910 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $237 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,100 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 137% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.
| 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 Low Cost Jeep Grand Cherokee 4xe Insurance
Saving money on Jeep Grand Cherokee 4xe insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a review of the data that was covered in the above illustrations.
- You may be able to save up to $220 per year simply by shopping early and online
- Drivers who may need more liability coverage will pay an extra $290 per year to raise limits from a minimum limit to 250/500 limits
- Teen drivers pay higher rates, as much as $498 per month for full coverage
- High-risk drivers who have several accidents or serious violations pay on average $2,030 more every year to insure their Grand Cherokee 4xe
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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