Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage insurance. Comprehensive costs on average $306 each year, collision costs $566, and liability coverage costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers 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:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Grand Cherokee models.
Price Range Variability
For a driver around age 40, Jeep Grand Cherokee insurance rates go from the cheapest price of $460 for just the minimum liability insurance to a high rate of $3,096 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates 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 each year
- The average price for a good driver age 40 with $500 deductibles is $1,428
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,814
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,096 or more
- Policy cost to insure a teenage driver may cost $5,310 a year
Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Grand Cherokee.
Opting for high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect 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 are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost around 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 rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,930 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,294 | -$134 | -9.4% |
Alaska | $1,098 | -$330 | -23.1% |
Arizona | $1,186 | -$242 | -16.9% |
Arkansas | $1,428 | -$0 | 0.0% |
California | $1,630 | $202 | 14.1% |
Colorado | $1,364 | -$64 | -4.5% |
Connecticut | $1,472 | $44 | 3.1% |
Delaware | $1,616 | $188 | 13.2% |
Florida | $1,790 | $362 | 25.4% |
Georgia | $1,322 | -$106 | -7.4% |
Hawaii | $1,026 | -$402 | -28.2% |
Idaho | $968 | -$460 | -32.2% |
Illinois | $1,066 | -$362 | -25.4% |
Indiana | $1,078 | -$350 | -24.5% |
Iowa | $966 | -$462 | -32.4% |
Kansas | $1,360 | -$68 | -4.8% |
Kentucky | $1,950 | $522 | 36.6% |
Louisiana | $2,116 | $688 | 48.2% |
Maine | $884 | -$544 | -38.1% |
Maryland | $1,180 | -$248 | -17.4% |
Massachusetts | $1,144 | -$284 | -19.9% |
Michigan | $2,484 | $1,056 | 73.9% |
Minnesota | $1,196 | -$232 | -16.2% |
Mississippi | $1,714 | $286 | 20.0% |
Missouri | $1,268 | -$160 | -11.2% |
Montana | $1,536 | $108 | 7.6% |
Nebraska | $1,128 | -$300 | -21.0% |
Nevada | $1,716 | $288 | 20.2% |
New Hampshire | $1,032 | -$396 | -27.7% |
New Jersey | $1,598 | $170 | 11.9% |
New Mexico | $1,268 | -$160 | -11.2% |
New York | $1,506 | $78 | 5.5% |
North Carolina | $824 | -$604 | -42.3% |
North Dakota | $1,172 | -$256 | -17.9% |
Ohio | $988 | -$440 | -30.8% |
Oklahoma | $1,470 | $42 | 2.9% |
Oregon | $1,310 | -$118 | -8.3% |
Pennsylvania | $1,364 | -$64 | -4.5% |
Rhode Island | $1,908 | $480 | 33.6% |
South Carolina | $1,296 | -$132 | -9.2% |
South Dakota | $1,206 | -$222 | -15.5% |
Tennessee | $1,252 | -$176 | -12.3% |
Texas | $1,724 | $296 | 20.7% |
Utah | $1,058 | -$370 | -25.9% |
Vermont | $980 | -$448 | -31.4% |
Virginia | $856 | -$572 | -40.1% |
Washington | $1,106 | -$322 | -22.5% |
West Virginia | $1,312 | -$116 | -8.1% |
Wisconsin | $990 | -$438 | -30.7% |
Wyoming | $1,274 | -$154 | -10.8% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Jeep Grand Cherokee Laredo 2WD | $1,304 | $109 |
Jeep Grand Cherokee Laredo 4WD | $1,304 | $109 |
Jeep Grand Cherokee Limited 2WD | $1,428 | $119 |
Jeep Grand Cherokee Limited 4WD | $1,428 | $119 |
Jeep Grand Cherokee SRT-8 4WD | $1,472 | $123 |
Jeep Grand Cherokee | $1,474 | $123 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Jeep Grand Cherokee | $320 | $570 | $390 | $1,438 |
2023 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
2022 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
2021 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
2019 Jeep Grand Cherokee | $260 | $474 | $452 | $1,344 |
2017 Jeep Grand Cherokee | $240 | $400 | $460 | $1,258 |
2016 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
2015 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
2014 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
2013 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
2011 Jeep Grand Cherokee | $176 | $248 | $474 | $1,056 |
2010 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
2009 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
2008 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
2007 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
2006 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
2005 Jeep Grand Cherokee | $138 | $170 | $442 | $908 |
Rates are averaged for all Jeep Grand Cherokee models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Jeep Grand Cherokee Insurance
Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having good credit, being claim-free, and bundling your home and auto policies. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The following items are a brief recap of the car insurance concepts covered above.
- Drivers who tend to receive serious violations pay on average $1,670 more each year than a driver with a clean driving record
- It is possible to save as much as $170 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Consumers who require additional liability coverage will pay around $440 annually to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,310 |
20 | $3,306 |
30 | $1,496 |
40 | $1,428 |
50 | $1,306 |
60 | $1,282 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,814 |
$250 | $1,636 |
$500 | $1,428 |
$1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,428 |
50/100 | $1,542 |
100/300 | $1,626 |
250/500 | $1,846 |
100 CSL | $1,575 |
300 CSL | $1,761 |
500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,582 |
20 | $5,258 |
30 | $3,168 |
40 | $3,096 |
50 | $2,956 |
60 | $2,930 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $76 |
Multi-vehicle | $75 |
Homeowner | $21 |
5-yr Accident Free | $107 |
5-yr Claim Free | $92 |
Paid in Full/EFT | $66 |
Advance Quote | $71 |
Online Quote | $102 |
Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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