Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,422 a year for full coverage. Comprehensive costs on average $296, collision costs $552, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing around $3,086. 16-year-old drivers pay the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $814
• Drivers who choose higher $1,000 deductibles will pay around $190 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,422
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,798
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,086 or more
• The price for full coverage for a teenage driver with full coverage may cost $5,324 a year

View Chart as Image

Car insurance prices for a Jeep Grand Cherokee are also quite variable based on your driving record, the trim level of your Grand Cherokee, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

The state you live in 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 Idaho, Maine, and Iowa, or at least $2,030 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles could save up to $570 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every company utilizes a different rate formula, so rate quotes may be quite different 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 Low Cost Jeep Grand Cherokee Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The points below are a review of the data touched on in this article.

• Consumers who require increased liability limits will pay around $460 each year to go from a low limit to 250/500 limits
• Drivers can save as much as $170 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $575 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $444 a month if full coverage is included