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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Average auto insurance rates for a Jeep Grand Cherokee 4xe are $1,690 annually including full coverage. Comprehensive insurance costs around $406, collision insurance costs $900, and liability is estimated at $274. A liability-only policy costs approximately $322 a year, and high-risk insurance costs $3,698 or more. Teens receive the highest rates at up to $5,920 a year.
Average premium for full coverage: $1,690
Rate estimates for individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Grand Cherokee 4xe models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $322 for a discount liability-only rate to the much higher price of $3,698 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples highlight why everyone should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below breaks down average Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $913
- Choosing higher $1,000 deductibles can save about $296 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,690
- Selecting pricier low deductibles for comp and collision coverage costs an additional $582 annually
- Higher-risk drivers with serious driving violations could pay at least $3,698
- The cost with full coverage for a 16-year-old driver for full coverage can be $5,920 each year
Insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on the trim level of your Grand Cherokee 4xe, your driving characteristics, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $2,000 to $2,700 extra per year, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers ranges from 46% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $880 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
Where you 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 $1,300 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
| 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 Buy the Best Cheap Jeep Grand Cherokee 4xe Insurance
Saving money on insurance for a Jeep Grand Cherokee 4xe takes having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick review of the ideas that were covered above.
- 16 to 18-year-old drivers pay higher rates, as much as $493 per month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,010 more every year than a driver with a clean driving record
- Increasing deductibles could save up to $875 each year
- You may be able to save up to $220 per year just by quoting online well ahead of the renewal date
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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