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...
Licensed Insurance Agent
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 a year, collision insurance costs $900, and liability costs $274. Buying just liability costs as little as $322 a year, and insurance for high-risk drivers costs $3,698 or more. Teenage 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:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Grand Cherokee 4xe trim levels.
Price Range Variability
For an average driver, Jeep Grand Cherokee 4xe insurance rates range from as low as $322 for just the minimum liability insurance to a high of $3,698 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
The examples above illustrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based 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 illustrates average Jeep Grand Cherokee 4xe insurance rates for different risk profiles and scenarios.
- The best discount rate is $913
- Drivers who choose higher $1,000 deductibles will pay around $1,394 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,690
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $582 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,698
- Policy cost for full coverage for a 16-year-old driver may cost $5,920 a year
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.
Older drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,900 a year. View Rates by Age
Your home state makes a big difference in Jeep Grand Cherokee 4xe insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,280 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $880 annually, while buying higher 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 per 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 extra every year, depending on your age. A high-risk auto insurance policy can cost from 46% to 132% more than a normal policy. View High Risk Driver Rates
| 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 Cheaper Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe not only requires being a good driver, but also maintaining good credit, being claim-free, and determing if full coverage is necessary. Take the time to compare rates every other policy renewal by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a condensed summary of the ideas that were covered in the above illustrations.
- Drivers age 16 to 20 pay the highest rates, possibly costing $493 each month for full coverage
- Drivers considered higher risk with multiple at-fault accidents pay an average of $2,010 more each year than a safer driver
- Increasing comprehensive and collision deductibles can save around $875 each year
- It is possible to save as much as $220 per year just by quoting early and online
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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