Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage insurance. Comprehensive costs approximately $306, collision insurance costs $566, and liability coverage costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $3,096. Teens cost the most to insure at up to $5,310 a year.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

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

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $818
• Using higher $1,000 deductibles will save $196 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,428
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,814
• Higher-risk drivers with serious driving violations could pay around $3,096
• Policy cost that insures a teenage driver for full coverage can cost $5,310 or more

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on the model of your Grand Cherokee, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, 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 be around 43% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $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 $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,930 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 more per 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 the Best Cheap Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

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

• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $443 each month if full coverage is included
• Drivers with a DUI or reckless driving violation could be charged and average of $1,670 more per year than a safer driver