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 including full coverage. Comprehensive insurance costs around $406 each year, collision insurance costs $900, and liability coverage costs around $274. Buying just liability costs as low as $322 a year, and insurance for high-risk drivers costs $3,698 or more. 16-year-old drivers cost the most to insure at up to $5,920 a year.
Average premium for full coverage: $1,690
Policy rates for type of insurance:
These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee 4xe models.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Grand Cherokee 4xe insurance rates range from the cheapest price of $322 for the bare minimum liability coverage to a high rate of $3,698 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using 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.
Additional Rate Information
The chart below breaks down average Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $913
- Using higher $1,000 deductibles will save about $296 every year
- The average price for a good driver age 40 using $500 deductibles is $1,690
- Buying low deductibles for physical damage coverage costs an extra $582 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,698
- Policy cost to insure a teenage driver can be $5,920 or more
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $880 a year, whereas increasing liability limits will increase rates. Changing 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 only pay around $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $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 are likely paying at least $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can be around 46% to 132% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Jeep Grand Cherokee 4xe insurance rates. A driver around age 40 might see rates as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or 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 Shop for Cheap Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on auto insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief summary of the material that was raised in the charts and tables above.
- Consumers who may need an increased level of liability coverage will pay around $300 per year to increase from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 pay higher rates, with premiums being up to $493 each month if they have full coverage
- Drivers that tend to have accidents or serious violations could be forced to pay on average $2,010 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $875 each year
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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