Jeep Grand Cherokee 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Jeep Grand Cherokee 4xe are $1,716 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $420, collision insurance costs $922, and liability insurance is $264. A policy with just liability insurance costs around $312 a year, and coverage for high-risk drivers costs $3,748 or more. Teenage drivers receive the highest rates at up to $5,976 a year.
Average premium for full coverage: $1,716
Rate estimates by individual coverage type:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Grand Cherokee 4xe trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $312 for your basic liability-only policy to a much higher rate of $3,748 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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.
More Rate Information
The chart below illustrates average Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $928
- Raising to $1,000 deductibles will save $304 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,716
- Using more expensive low deductibles costs an extra $598 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,748
- The cost to insure a teen driver with full coverage can cost $5,976
Insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Grand Cherokee 4xe.
Using high physical damage deductibles can reduce rates by up to $910 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $237 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,100 to $2,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 137% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Jeep Grand Cherokee 4xe insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,310 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,552 | -$164 | -9.6% |
| Alaska | $1,316 | -$400 | -23.3% |
| Arizona | $1,424 | -$292 | -17.0% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,954 | $238 | 13.9% |
| Colorado | $1,638 | -$78 | -4.5% |
| Connecticut | $1,760 | $44 | 2.6% |
| Delaware | $1,940 | $224 | 13.1% |
| Florida | $2,142 | $426 | 24.8% |
| Georgia | $1,584 | -$132 | -7.7% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,162 | -$554 | -32.3% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,292 | -$424 | -24.7% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,336 | $620 | 36.1% |
| Louisiana | $2,540 | $824 | 48.0% |
| Maine | $1,056 | -$660 | -38.5% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,370 | -$346 | -20.2% |
| Michigan | $2,976 | $1,260 | 73.4% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,842 | $126 | 7.3% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,238 | -$478 | -27.9% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,520 | -$196 | -11.4% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,758 | $42 | 2.4% |
| Oregon | $1,574 | -$142 | -8.3% |
| Pennsylvania | $1,634 | -$82 | -4.8% |
| Rhode Island | $2,286 | $570 | 33.2% |
| South Carolina | $1,554 | -$162 | -9.4% |
| South Dakota | $1,446 | -$270 | -15.7% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,268 | -$448 | -26.1% |
| Vermont | $1,170 | -$546 | -31.8% |
| Virginia | $1,030 | -$686 | -40.0% |
| Washington | $1,324 | -$392 | -22.8% |
| West Virginia | $1,574 | -$142 | -8.3% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,526 | -$190 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $438 | $930 | $258 | $1,736 |
| 2023 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
| 2022 Jeep Grand Cherokee 4xe | $406 | $900 | $274 | $1,690 |
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 Shop for the Right Jeep Grand Cherokee 4xe Insurance
Saving money on Jeep Grand Cherokee 4xe insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a quick rundown of the material that was covered in the charts and tables above.
- Drivers who purchase more liability coverage will pay an extra $290 annually to raise from a minimum limit to a 250/500 level
- Teen drivers are the costliest to insure, costing up to $498 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $2,030 more per year to insure their Grand Cherokee 4xe
- Increasing deductibles could save as much as $900 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,976 |
| 20 | $4,000 |
| 30 | $1,828 |
| 40 | $1,716 |
| 50 | $1,562 |
| 60 | $1,536 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,314 |
| $250 | $2,034 |
| $500 | $1,716 |
| $1,000 | $1,412 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,769 |
| 100/300 | $1,835 |
| 250/500 | $2,006 |
| 100 CSL | $1,795 |
| 300 CSL | $1,940 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,660 |
| 20 | $6,380 |
| 30 | $3,874 |
| 40 | $3,748 |
| 50 | $3,574 |
| 60 | $3,546 |
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 | $96 |
| Multi-vehicle | $90 |
| Homeowner | $21 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $94 |
| Advance Quote | $95 |
| Online Quote | $128 |
| Total Discounts | $788 |
Discounts are estimated and may not be available from every company or in every state.
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