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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance rates for a Jeep Grand Cherokee 4xe are $1,690 a year with full coverage. Comprehensive costs approximately $406, collision costs $900, and liability insurance is estimated at $274. Liability-only coverage costs approximately $322 a year, with high-risk coverage costing around $3,698. Teenage drivers receive the highest rates at $5,920 a year or more.
Average premium for full coverage: $1,690
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Grand Cherokee 4xe trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $322 for just liability coverage to a much higher rate of $3,698 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than relying 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.
Detailed Rate Analysis
The chart below details estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $913
- Choosing higher $1,000 deductibles can save $296 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,690
- Using more expensive low deductibles for comp and collision coverage bumps up the cost to $2,272
- High-risk insureds who are prone to accidents and violations could pay around $3,698 or more
- The cost that insures a teen driver with full coverage can cost $5,920 each year
Car insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 46% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Grand Cherokee 4xe insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,280 on average in New York, Michigan, 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 can save as much as $880 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 the Best Cheap Jeep Grand Cherokee 4xe Insurance
Saving money on Jeep Grand Cherokee 4xe insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare prices every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a quick review of the ideas that were covered in the charts and tables above.
- Youthful drivers pay the highest auto insurance rates, with premiums as much as $493 per month if full coverage is purchased
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $2,010 more per year than a low-risk driver
- Increasing deductibles can save approximately $875 each year
- You may be able to save around $220 per year simply by shopping 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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