Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months with full coverage. Comprehensive costs on average $306, collision costs $566, and liability costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $3,096. 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:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $818
• Drivers who choose higher $1,000 deductibles will pay around $196 annually
• The average price for a good driver age 40 with $500 deductibles is $1,428
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,814
• Drivers with multiple tickets or accidents could pay upwards of $3,096 or more
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,310 a year

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Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Grand Cherokee.

Opting for high physical damage deductibles could save up to $590 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 additional every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,930 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and rates will be varied.

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 Shop for the Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Grand Cherokee not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every year by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a recap of the coverage data covered above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Youthful drivers pay higher rates, as much as $443 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,670 more each year than a low-risk driver