Jeep Grand Cherokee 4xe Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Jeep Grand Cherokee 4xe are $1,690 a year for full coverage insurance. Comprehensive insurance costs on average $406 each year, collision insurance costs $900, and liability insurance is $274. Liability-only coverage costs around $322 a year, and high-risk coverage costs $3,698 or more. Teens 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:

Comprehensive $406
Collision $900
Liability $274

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Grand Cherokee 4xe models.

Price Range Variability

Using a middle-aged driver as an example, Jeep Grand Cherokee 4xe insurance rates range from as low as $322 for a discount liability-only rate to a high rate of $3,698 for a high-risk driver policy.

Liability Only $322
Full Coverage $1,690
High Risk $3,698

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $1,268
Small Cities $1,775
Large Cities $2,282

The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying 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 illustrates average Jeep Grand Cherokee 4xe insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $913
  • Raising to $1,000 deductibles will save around $296 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,690
  • Selecting low deductibles will cost an extra $582 a year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,698
  • Policy cost for full coverage for a teen driver may cost $5,920

View Chart as Image

Jeep Grand Cherokee 4xe insurance cost comparison chart
Column chart showing Jeep Grand Cherokee 4xe insurance prices range from $913 to $5,920 for full coverage

Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,900 a year. View Rates by Age

Your home state also has a big influence on Jeep Grand Cherokee 4xe insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,280 on average in Michigan, New York, and Florida.

Jeep Grand Cherokee 4xe Insurance Rates by State
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%

View Chart as Image

Jeep Grand Cherokee 4xe insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $880 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $246 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 46% to 132% more than the average policy. View High Risk Driver Rates

Jeep Grand Cherokee 4xe Insurance Rates by Model Year
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 Find More Affordable Jeep Grand Cherokee 4xe Insurance

Finding cheaper rates on Jeep Grand Cherokee 4xe insurance consists of having a good driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the information touched on in the above illustrations.

  • It is possible to save as much as $220 per year just by quoting online in advance
  • Drivers age 20 and younger pay higher rates, possibly costing $493 each month including comprehensive and collision insurance
  • Increasing comprehensive and collision deductibles can save around $875 each year
  • High-risk drivers who have multiple accidents or major violations pay an average of $2,010 more each year to buy Jeep Grand Cherokee 4xe insurance
  • Drivers who require increased levels of liability coverage will pay approximately $300 annually to raise from a 30/60 limit to 250/500 limits

Rates by Driver Age

Jeep Grand Cherokee 4xe Insurance 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

Jeep Grand Cherokee 4xe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,272
$250 $1,998
$500 $1,690
$1,000 $1,394

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee 4xe Insurance Rates with Different Liability Limits
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

Jeep Grand Cherokee 4xe Insurance 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.

SR-22 Surcharge $251

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
Rate after discounts $913

Discounts are estimated and may not be available from every company or in every state.

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