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Jeep Grand Cherokee Insurance Rates

Jeep Grand Cherokee insurance

Estimated insurance rates for a Jeep Grand Cherokee are $1,396 a year including full coverage. Comprehensive insurance costs approximately $306, collision costs $542, and liability insurance is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing $3,014 or more. 16-year-old drivers pay the most at $5,168 a year or more.

Average premium for full coverage: $1,396

Premium estimates by type of coverage:

Comprehensive $306
Collision $542
Liability $390

Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Grand Cherokee models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Jeep Grand Cherokee go from as low as $452 for just liability coverage to the much higher price of $3,014 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,396
High Risk $3,014

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

These rate differences highlight why everyone should compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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Detailed Rate Analysis

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $805
  • Raising to $1,000 deductibles will save $192 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,396
  • Buying pricier low deductibles will cost an extra $372 a year
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,014 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,168

View Chart as Image

Jeep Grand Cherokee insurance cost comparison chart
Column chart showing full coverage Jeep Grand Cherokee insurance prices range from $805 to $5,168

Insurance prices for a Jeep Grand Cherokee also have a wide range based on your driving characteristics, the model of your Grand Cherokee, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find prices as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,990 on average in Louisiana, New York, and Michigan.

Jeep Grand Cherokee Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
New Hampshire$1,004-$392-28.1%
New Jersey$1,560$16411.7%
New Mexico$1,238-$158-11.3%
New York$1,470$745.3%
North Carolina$804-$592-42.4%
North Dakota$1,142-$254-18.2%
Rhode Island$1,862$46633.4%
South Carolina$1,266-$130-9.3%
South Dakota$1,176-$220-15.8%
West Virginia$1,280-$116-8.3%

View Chart as Image

Jeep Grand Cherokee insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $570 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 additional annually, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers is expensive and can cost anywhere from 45% to 128% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Jeep Grand Cherokee Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Jeep Grand Cherokee Laredo 2WD$1,310$109
Jeep Grand Cherokee Laredo 4WD$1,310$109
Jeep Grand Cherokee Limited 2WD$1,438$120
Jeep Grand Cherokee Limited 4WD$1,438$120
Jeep Grand Cherokee SRT-8 4WD$1,480$123

Rates assume 2018 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.

Jeep Grand Cherokee Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Jeep Grand Cherokee$306$542$390$1,396
2017 Jeep Grand Cherokee$294$536$398$1,386
2016 Jeep Grand Cherokee$284$524$416$1,382
2015 Jeep Grand Cherokee$274$502$430$1,364
2014 Jeep Grand Cherokee$260$484$442$1,344
2013 Jeep Grand Cherokee$250$450$452$1,310
2012 Jeep Grand Cherokee$240$424$456$1,278
2011 Jeep Grand Cherokee$230$380$460$1,228
2010 Jeep Grand Cherokee$214$350$460$1,182
2009 Jeep Grand Cherokee$206$328$464$1,156
2008 Jeep Grand Cherokee$202$306$474$1,140
2007 Jeep Grand Cherokee$186$284$474$1,102
2006 Jeep Grand Cherokee$182$258$478$1,076
2005 Jeep Grand Cherokee$170$236$474$1,038
2004 Jeep Grand Cherokee$160$214$474$1,006
2003 Jeep Grand Cherokee$154$192$468$972
2002 Jeep Grand Cherokee$152$188$460$958
2001 Jeep Grand Cherokee$150$178$452$938
2000 Jeep Grand Cherokee$138$170$446$912
1999 Jeep Grand Cherokee$132$162$442$894

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 Find the Cheapest Jeep Grand Cherokee Insurance

Finding better rates on Jeep Grand Cherokee insurance consists of being a safe and courteous driver, having a good credit history, refrain from filing small claims, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a recap of the data that was touched on above.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Drivers who purchase higher levels of liability will pay around $430 per year to raise from 30/60 bodily injury limits to 250/500 limits
  • Teenage drivers are the costliest to insure, with the cost nearing $431 per month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,620 more per year for auto insurance

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Rates by Driver Age

Jeep Grand Cherokee Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

Jeep Grand Cherokee Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,597
300 CSL$1,812
500 CSL$1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Grand Cherokee Insurance Rates for High Risk Drivers

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.

SR-22 Surcharge $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

5-yr Accident Free$103
5-yr Claim Free$90
Paid in Full/EFT$64
Advance Quote$69
Online Quote$99
Total Discounts$591
Rate after discounts $805

Discounts are estimated and may not be available from every company or in every state.

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