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 rates for a Jeep Grand Cherokee 4xe are $1,690 a year for full coverage. Comprehensive insurance costs around $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. 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:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Grand Cherokee 4xe trim levels.
Price Range Variability
For the average 40-year-old driver, Jeep Grand Cherokee 4xe insurance rates range from the low end price of $322 for just liability insurance to a high of $3,698 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
The examples above show why it is important to compare rates for a specific zip code, instead of 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.
More Rate Details
The chart below shows average Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $913
- Drivers who choose higher $1,000 deductibles will pay about $1,394 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,690
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $582 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,698
- Policy cost that insures a teen driver can be $5,920 a year
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on the trim level of your Grand Cherokee 4xe, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 46% to 132% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $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 $1,110 a year in states like Idaho, Maine, and Iowa, or at least $2,410 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $880 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $246 more per year. View Rates by Deductible or Liability Limit
| 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 Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every time your policy renews by getting rate quotes from direct carriers, and also from several local insurance agents.
The items below are a brief recap of the information touched on in this article.
- Drivers can save up to $220 per year just by quoting early and online
- Teen drivers pay higher rates, costing up to $493 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save approximately $875 each year
- Higher risk drivers who tend to receive serious violations pay on average $2,010 more every year to insure their Grand Cherokee 4xe
- Policyholders who may need more liability coverage will pay around $300 each year to go from a 30/60 limit to the 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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