Jeep Grand Cherokee 4xe Insurance Rates
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Michelle Robbins
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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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The average insurance prices for a Jeep Grand Cherokee 4xe are $1,690 every 12 months for full coverage. Comprehensive insurance costs approximately $406 each year, collision insurance costs $900, and liability is estimated at $274. Buying just liability costs approximately $322 a year, and insurance for high-risk drivers costs $3,698 or more. Teen drivers cost the most to insure at up to $5,920 a year.
Average premium for full coverage: $1,690
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Grand Cherokee 4xe models.
Price Range Variability
For the average 40-year-old driver, Jeep Grand Cherokee 4xe insurance rates range from the cheapest price of $322 for just the minimum liability insurance to a high rate of $3,698 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
The examples above show why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below shows average Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $913
- Choosing higher $1,000 deductibles can save $296 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,690
- Choosing low deductibles for comp and collision coverage costs an extra $582 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,698
- Policy cost to insure a 16-year-old driver can cost $5,920 each year
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on liability limits and deductibles, your driver profile, and the model of your Grand Cherokee 4xe.
Choosing high deductibles can save as much as $880 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers ranges from 46% to 132% more than average. View High Risk Driver Rates
Your home state 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 $1,110 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% |
| 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 More Affordable Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a summary of the information touched on in this article.
- Drivers can save around $220 per year just by quoting online in advance
- Drivers under the age of 20 are expensive to insure, costing up to $493 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,010 more per year to insure a Jeep Grand Cherokee 4xe
- Insureds who purchase increased liability limits will pay about $300 each year to raise limits from a 30/60 limit 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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