Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,438 a year for full coverage insurance. Comprehensive insurance costs approximately $320, collision costs $570, and liability coverage costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing $3,108 or more. Teens cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,438

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $825
• Drivers who choose higher $1,000 deductibles will pay $202 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,438
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $394 each year
• High-risk insureds with serious driving violations could pay around $3,108 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost $5,306 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,940 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $299 more per 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 probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, so the 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 Cheaper Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the information touched on in the above illustrations.

• It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, possibly costing $442 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers with multiple at-fault accidents may pay on average $1,670 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay approximately $430 annually to go from a 30/60 limit to 250/500 limits