Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year for full coverage insurance. Comprehensive insurance costs around $296, collision insurance costs $552, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs $3,086 or more. Teenage drivers cost the most to insure at up to $5,324 a year.

Average premium for full coverage: $1,422

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The best discount rate is $814
• Using higher $1,000 deductibles will save about $190 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,422
• Using more expensive low deductibles for physical damage coverage will cost an additional $376 a year
• Drivers who are prone to accidents and violations could pay at least $3,086
• Policy cost that insures a teen driver with full coverage can be $5,324 or more

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,920 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $570 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

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 Jeep Grand Cherokee insurance requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare prices every year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the coverage data raised in the charts and tables above.

• It is possible to save up to $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teenagers are expensive to insure, possibly costing $444 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,660 more every year for car insurance