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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U.S. average insurance rates for a Jeep Grand Cherokee 4xe are $1,690 a year for full coverage. Comprehensive costs approximately $406 a year, collision costs $900, and liability costs $274. Liability-only insurance costs as little as $322 a year, with high-risk driver insurance costing around $3,698. Teen drivers pay the highest rates at $5,920 a year or more.
Average premium for full coverage: $1,690
Price estimates by individual coverage:
These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Grand Cherokee 4xe trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Grand Cherokee 4xe insurance prices go from the low end price of $322 for liability-only coverage to a high of $3,698 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why it is important to compare rates using their specific location, instead of making a decision based on price 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 Charts and Tables
The chart below shows estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $913
- Drivers who choose higher $1,000 deductibles will pay $1,394 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,690
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,272
- Drivers with multiple violations and an at-fault accident could pay around $3,698 or more
- The price that insures a 16-year-old driver can cost $5,920 a year
Car insurance prices for a Jeep Grand Cherokee 4xe are also quite variable based on the trim level of your Grand Cherokee 4xe, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $2,000 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy can cost from 46% to 132% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,900 a year. View Rates by Age
The state you live in 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 Iowa, Maine, and Idaho, or as much as $2,410 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could save up to $880 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes may be quite 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 Cheap Jeep Grand Cherokee 4xe Insurance
Getting lower rates on insurance for a Jeep Grand Cherokee 4xe not only requires being a safe and courteous driver, but also having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Shop around every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.
Below is a brief summary of the information raised in the charts and tables above.
- Drivers can save around $220 per year simply by quoting early and online
- Teenage drivers pay the highest auto insurance prices, with premiums as much as $493 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $875 each year
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $2,010 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay about $300 each year to go from a low 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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