Jeep Grand Cherokee 4xe Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Jeep Grand Cherokee 4xe are $1,716 annually for full coverage. Comprehensive insurance costs approximately $420, collision costs $922, and liability coverage costs $264. A policy with just liability insurance costs as little as $312 a year, with coverage for high-risk drivers costing $3,748 or more. 16-year-old drivers receive the highest rates at $5,976 a year or more.

Average premium for full coverage: $1,716

Rate estimates by individual coverage type:

Comprehensive $420
Collision $922
Liability $264

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Grand Cherokee 4xe models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $312 for your basic liability-only policy to the much higher price of $3,748 for a high-risk driver policy.

Liability Only $312
Full Coverage $1,716
High Risk $3,748

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,287
Small Cities $1,802
Large Cities $2,317

These examples show why everyone should compare rates using their specific location and their own personal driving habits, rather than 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 Information

The chart below shows estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $928
  • Drivers who choose higher $1,000 deductibles will pay $304 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,716
  • Buying pricier low deductibles for comprehensive and collision insurance costs an additional $598 each year
  • High-risk insureds with multiple tickets or accidents could pay around $3,748 or more
  • The cost with full coverage for a teenage driver for full coverage can cost $5,976 a year

View Chart as Image

Jeep Grand Cherokee 4xe insurance cost comparison chart
Column chart showing full coverage Jeep Grand Cherokee 4xe insurance prices range from $928 to $5,976

Insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on the trim level of your Grand Cherokee 4xe, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they 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 caused a few accidents, you could be paying anywhere from $2,100 to $2,700 additional per year, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers can cost around 45% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $910 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $237 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Jeep Grand Cherokee 4xe insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Iowa, Maine, and Idaho, or at least $2,450 on average in New York, Louisiana, and Michigan.

Jeep Grand Cherokee 4xe Insurance Rates by State
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%

View Chart as Image

Jeep Grand Cherokee 4xe insurance rates by U.S. city

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different between companies.

Jeep Grand Cherokee 4xe Insurance Rates by Model Year
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 Buy Low Cost Jeep Grand Cherokee 4xe Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following is a review of the information covered in the above illustrations.

  • Drivers can save around $220 per year simply by quoting online well ahead of the renewal date
  • Teens are the costliest to insure, costing as high as $498 per month if they have full coverage
  • Increasing deductibles could save up to $900 each year
  • Drivers who have several accidents or serious violations pay on average $2,030 more per year for Grand Cherokee 4xe insurance
  • Consumers who purchase higher liability limits will pay around $290 each year to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Jeep Grand Cherokee 4xe Insurance 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

Jeep Grand Cherokee 4xe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,314
$250 $2,034
$500 $1,716
$1,000 $1,412

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee 4xe Insurance Rates with Different Liability Limits
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

Jeep Grand Cherokee 4xe Insurance 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.

SR-22 Surcharge $254

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
Rate after discounts $928

Discounts are estimated and may not be available from every company or in every state.

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