Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually for full coverage. Comprehensive costs around $306 a year, 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. Teenage drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $818
• Drivers who choose higher $1,000 deductibles will pay about $1,232 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,428
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,814
• Drivers who are prone to accidents and violations could pay at least $3,096 or more
• Policy cost with full coverage for a 16-year-old driver can be $5,310 a year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,040 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Low Cost Jeep Grand Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Grand Cherokee not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the car insurance concepts touched on in this article.

• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,670 more every year than a driver with a clean driving record
• Drivers can save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Insureds who may need additional liability coverage will pay an extra $440 each year to go from a 30/60 limit to higher 250/500 limits