Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,428 a year including full coverage. Comprehensive insurance costs on average $306, collision costs $566, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing $3,096 or more. 16-year-old drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how location impacts car insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $818
• Choosing higher $1,000 deductibles can save around $196 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,428
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $386 each year
• Drivers with multiple tickets or accidents could pay upwards of $3,096 or more
• Policy cost for full coverage for a teenage driver with full coverage may cost $5,310 each year

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the model of your Grand Cherokee, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Grand Cherokee insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,040 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $590 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the information touched on above.

• You may be able to save as much as $170 per year simply by shopping early and online
• Teenagers are charged the highest rates, with premiums being up to $443 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers who have several accidents or serious violations may pay on average $1,670 more each year for car insurance
• Consumers who require higher liability limits will pay around $440 per year to raise limits from a 30/60 limit to 250/500 limits