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 an estimated $306 a year, collision costs $566, and liability insurance is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,096 or more. Teenage drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The best discount rate is $818
• Raising to $1,000 deductibles will save approximately $1,232 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,428
• Using low $100 deductibles will cost an extra $386 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,096 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,310

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,040 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. 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 $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 Affordable Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the concepts that were raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,670 more annually to insure a Jeep Grand Cherokee
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $443 each month if full coverage is included
• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• You may be able to save approximately $170 per year simply by quoting early and online