Jeep Grand Cherokee Insurance Rates
Estimated insurance rates for a Jeep Grand Cherokee are $1,346 a year including full coverage. Comprehensive insurance costs approximately $306, collision costs $534, and liability insurance is $354. Liability-only insurance costs around $416 a year, with high-risk driver insurance costing $2,898 or more. 16-year-old drivers pay the most at $4,934 a year or more.
Average premium for full coverage: $1,346
Premium estimates by type of coverage:
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 $416 for just liability coverage to the much higher price of $2,898 for a driver that may need high-risk insurance.
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.
These rate differences highlight why everyone should compare rates quotes using their specific location and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
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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 $774
- 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 $1,346
- Buying pricier low deductibles will cost an extra $368 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,898 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,934
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 $4,900 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 $2,140 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,292 | -$54 | -4.0% |
| Alaska | $1,102 | -$244 | -18.1% |
| Arizona | $1,348 | $2 | 0.1% |
| Arkansas | $1,362 | $16 | 1.2% |
| California | $1,510 | $164 | 12.2% |
| Colorado | $1,398 | $52 | 3.9% |
| Connecticut | $1,760 | $414 | 30.8% |
| Delaware | $1,636 | $290 | 21.5% |
| Florida | $1,816 | $470 | 34.9% |
| Georgia | $1,332 | -$14 | -1.0% |
| Hawaii | $1,452 | $106 | 7.9% |
| Idaho | $934 | -$412 | -30.6% |
| Illinois | $998 | -$348 | -25.9% |
| Indiana | $958 | -$388 | -28.8% |
| Iowa | $1,012 | -$334 | -24.8% |
| Kansas | $1,236 | -$110 | -8.2% |
| Kentucky | $1,742 | $396 | 29.4% |
| Louisiana | $2,180 | $834 | 62.0% |
| Maine | $922 | -$424 | -31.5% |
| Maryland | $1,382 | $36 | 2.7% |
| Massachusetts | $1,186 | -$160 | -11.9% |
| Michigan | $2,472 | $1,126 | 83.7% |
| Minnesota | $1,180 | -$166 | -12.3% |
| Mississippi | $1,318 | -$28 | -2.1% |
| Missouri | $1,146 | -$200 | -14.9% |
| Montana | $1,218 | -$128 | -9.5% |
| Nebraska | $1,108 | -$238 | -17.7% |
| Nevada | $1,734 | $388 | 28.8% |
| New Hampshire | $1,096 | -$250 | -18.6% |
| New Jersey | $1,338 | -$8 | -0.6% |
| New Mexico | $1,248 | -$98 | -7.3% |
| New York | $1,750 | $404 | 30.0% |
| North Carolina | $956 | -$390 | -29.0% |
| North Dakota | $1,308 | -$38 | -2.8% |
| Ohio | $948 | -$398 | -29.6% |
| Oklahoma | $1,634 | $288 | 21.4% |
| Oregon | $1,258 | -$88 | -6.5% |
| Pennsylvania | $1,514 | $168 | 12.5% |
| Rhode Island | $1,630 | $284 | 21.1% |
| South Carolina | $1,252 | -$94 | -7.0% |
| South Dakota | $1,054 | -$292 | -21.7% |
| Tennessee | $1,208 | -$138 | -10.3% |
| Texas | $1,292 | -$54 | -4.0% |
| Utah | $1,192 | -$154 | -11.4% |
| Vermont | $956 | -$390 | -29.0% |
| Virginia | $966 | -$380 | -28.2% |
| Washington | $1,186 | -$160 | -11.9% |
| West Virginia | $1,368 | $22 | 1.6% |
| Wisconsin | $1,372 | $26 | 1.9% |
| Wyoming | $1,488 | $142 | 10.5% |
Opting for high physical damage deductibles can reduce prices by up to $560 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 $318 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 $2,200 additional annually, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers is expensive and can cost anywhere from 45% to 133% 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
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,262 | $105 |
| Jeep Grand Cherokee Laredo 4WD | $1,262 | $105 |
| Jeep Grand Cherokee Limited 2WD | $1,388 | $116 |
| Jeep Grand Cherokee Limited 4WD | $1,388 | $116 |
| Jeep Grand Cherokee SRT-8 4WD | $1,432 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Jeep Grand Cherokee | $306 | $534 | $354 | $1,346 |
| 2017 Jeep Grand Cherokee | $292 | $514 | $370 | $1,328 |
| 2016 Jeep Grand Cherokee | $280 | $510 | $378 | $1,320 |
| 2015 Jeep Grand Cherokee | $270 | $498 | $396 | $1,316 |
| 2014 Jeep Grand Cherokee | $260 | $476 | $408 | $1,296 |
| 2013 Jeep Grand Cherokee | $246 | $460 | $420 | $1,278 |
| 2012 Jeep Grand Cherokee | $236 | $426 | $428 | $1,242 |
| 2011 Jeep Grand Cherokee | $228 | $402 | $432 | $1,214 |
| 2010 Jeep Grand Cherokee | $218 | $360 | $436 | $1,166 |
| 2009 Jeep Grand Cherokee | $204 | $332 | $436 | $1,124 |
| 2008 Jeep Grand Cherokee | $196 | $310 | $440 | $1,098 |
| 2007 Jeep Grand Cherokee | $192 | $290 | $450 | $1,084 |
| 2006 Jeep Grand Cherokee | $178 | $270 | $450 | $1,050 |
| 2005 Jeep Grand Cherokee | $172 | $244 | $454 | $1,022 |
| 2004 Jeep Grand Cherokee | $160 | $224 | $450 | $986 |
| 2003 Jeep Grand Cherokee | $152 | $204 | $450 | $958 |
| 2002 Jeep Grand Cherokee | $146 | $182 | $446 | $926 |
| 2001 Jeep Grand Cherokee | $144 | $178 | $436 | $910 |
| 2000 Jeep Grand Cherokee | $142 | $170 | $428 | $892 |
| 1999 Jeep Grand Cherokee | $130 | $162 | $424 | $868 |
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 $160 per year simply by quoting online well ahead of the renewal date
- Drivers who purchase higher levels of liability will pay around $390 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 $411 per month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,550 more per year for auto insurance
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Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,934 |
| 20 | $3,090 |
| 30 | $1,406 |
| 40 | $1,346 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,714 |
| $250 | $1,544 |
| $500 | $1,346 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,503 |
| 100/300 | $1,591 |
| 250/500 | $1,821 |
| 100 CSL | $1,538 |
| 300 CSL | $1,733 |
| 500 CSL | $1,875 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,044 |
| 20 | $4,908 |
| 30 | $2,966 |
| 40 | $2,898 |
| 50 | $2,764 |
| 60 | $2,734 |
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 | $72 |
| Multi-vehicle | $69 |
| Homeowner | $19 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $63 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
