1. Vehicles
  2. Jeep
  3. Grand Cherokee

Jeep Grand Cherokee Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you ever wondered, “Are Jeep Grand Cherokees expensive to insure?” you should know that drivers spend an average of $1,414 a year for full coverage. There are several factors that determine Jeep Grand Cherokee insurance rates, such as the age and location of the driver.

Comparing 2019 Jeep Cherokee insurance cost with 2005 Jeep Grand Cherokee insurance rates or 2015 Jeep Grand Cherokee insurance cost is the best way to find affordable Jeep Grand Cherokee car insurance quotes for your vehicle.

Shop around to find the best rates before you buy Jeep Grand Cherokee car insurance.

In order to help you on your way to securing a policy that meets your needs and budget, we have prepared this detailed article. You can even start comparing affordable Jeep Grand Cherokee car insurance quotes right now by taking advantage of our free online tool.

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.

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.

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
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,262 -$134 -9.6%
Alaska $1,070 -$326 -23.4%
Arizona $1,158 -$238 -17.0%
Arkansas $1,396 -$0 0.0%
California $1,590 $194 13.9%
Colorado $1,332 -$64 -4.6%
Connecticut $1,436 $40 2.9%
Delaware $1,580 $184 13.2%
Florida $1,748 $352 25.2%
Georgia $1,290 -$106 -7.6%
Hawaii $1,002 -$394 -28.2%
Idaho $944 -$452 -32.4%
Illinois $1,040 -$356 -25.5%
Indiana $1,052 -$344 -24.6%
Iowa $944 -$452 -32.4%
Kansas $1,328 -$68 -4.9%
Kentucky $1,904 $508 36.4%
Louisiana $2,068 $672 48.1%
Maine $862 -$534 -38.3%
Maryland $1,152 -$244 -17.5%
Massachusetts $1,118 -$278 -19.9%
Michigan $2,426 $1,030 73.8%
Minnesota $1,166 -$230 -16.5%
Mississippi $1,672 $276 19.8%
Missouri $1,238 -$158 -11.3%
Montana $1,500 $104 7.4%
Nebraska $1,102 -$294 -21.1%
Nevada $1,674 $278 19.9%
New Hampshire $1,004 -$392 -28.1%
New Jersey $1,560 $164 11.7%
New Mexico $1,238 -$158 -11.3%
New York $1,470 $74 5.3%
North Carolina $804 -$592 -42.4%
North Dakota $1,142 -$254 -18.2%
Ohio $966 -$430 -30.8%
Oklahoma $1,434 $38 2.7%
Oregon $1,278 -$118 -8.5%
Pennsylvania $1,332 -$64 -4.6%
Rhode Island $1,862 $466 33.4%
South Carolina $1,266 -$130 -9.3%
South Dakota $1,176 -$220 -15.8%
Tennessee $1,224 -$172 -12.3%
Texas $1,684 $288 20.6%
Utah $1,032 -$364 -26.1%
Vermont $956 -$440 -31.5%
Virginia $836 -$560 -40.1%
Washington $1,078 -$318 -22.8%
West Virginia $1,280 -$116 -8.3%
Wisconsin $966 -$430 -30.8%
Wyoming $1,246 -$150 -10.7%

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 Trim Annual Premium Monthly 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 2020 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 Year Comprehensive Collision Liability Total Premium
2020 Jeep Grand Cherokee $306 $542 $390 $1,396
2019 Jeep Grand Cherokee $294 $536 $398 $1,386
2018 Jeep Grand Cherokee $284 $524 $416 $1,382
2017 Jeep Grand Cherokee $274 $502 $430 $1,364
2016 Jeep Grand Cherokee $260 $484 $442 $1,344
2015 Jeep Grand Cherokee $250 $450 $452 $1,310
2014 Jeep Grand Cherokee $240 $424 $456 $1,278
2013 Jeep Grand Cherokee $230 $380 $460 $1,228
2012 Jeep Grand Cherokee $214 $350 $460 $1,182
2011 Jeep Grand Cherokee $206 $328 $464 $1,156
2010 Jeep Grand Cherokee $202 $306 $474 $1,140
2009 Jeep Grand Cherokee $186 $284 $474 $1,102
2008 Jeep Grand Cherokee $182 $258 $478 $1,076
2007 Jeep Grand Cherokee $170 $236 $474 $1,038
2006 Jeep Grand Cherokee $160 $214 $474 $1,006
2005 Jeep Grand Cherokee $154 $192 $468 $972
2004 Jeep Grand Cherokee $152 $188 $460 $958
2003 Jeep Grand Cherokee $150 $178 $452 $938
2002 Jeep Grand Cherokee $138 $170 $446 $912
2001 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

Now that we’ve addressed the question “how much is insurance for a Jeep Cherokee?” let’s look at what affects Jeep Grand Cherokee auto insurance rates. For instance, we’ve seen how 2020 Jeep Cherokee insurance costs may differ from 2012 Jeep Grand Cherokee insurance rates.

To this point, it’s clear that insurance companies consider a wide assortment of factors when quoting potential policyholders. You can start to discover Jeep Cherokee insurance costs right now by using our complimentary quote comparison tool below.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the safety ratings of the Jeep Grand Cherokee?

The safety ratings of the Jeep Grand Cherokee are important to know because positive scores translate to better insurance rates. 

Take a look at the Jeep Grand Cherokee’s safety ratings as determined by the Insurance Insitute for Highway Safety.

  • Small overlap front (driver-side): Marginal
  • Small overlap front (passenger-side): Poor
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

These scores indicate that the Jeep Grand Cherokee received high marks in most parts of the vehicle that were tested. However, the overlap on both sides of the front of the vehicle has some room for improvement.

Jeep Grand Cherokee Crash Test Ratings

Crash-test ratings are important, as they help insurers calculate bodily injury risk. If a car has poor crash test ratings, it means that an insurer is more likely to have to pay medical bills after a crash.

Jeep Grand Cherokee Crash Test Ratings
Vehicle Tested Overall Rating Frontal Crash Side Crash Rollover
2021 Jeep Grand Cherokee SUV 4WD5 stars 4 stars 5 stars 4 stars
2021 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2020 Jeep Grand Cherokee SUV 4WD5 stars 4 stars 5 stars 4 stars
2020 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2019 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2019 Jeep Grand Cherokee SUV 4WD5 stars 4 stars 5 stars 4 stars
2018 Jeep Grand Cherokee SUV 4WD4 stars 4 stars 5 stars 4 stars
2018 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2017 Jeep Grand Cherokee SUV 4WD5 stars 5 stars 5 stars 4 stars
2017 Jeep Grand Cherokee SUV 2WD4 stars 5 stars 5 stars 3 stars
2016 Jeep Grand Cherokee SUV 2WD4 stars 5 stars 5 stars 3 stars
2016 Jeep Grand Cherokee SUV 4WD5 stars 5 stars 5 stars 4 stars
2015 Jeep Grand Cherokee SUV 4WD5 stars 5 stars 5 stars 4 stars
2015 Jeep Grand Cherokee SUV 2WD4 stars 5 stars 5 stars 3 stars
2014 Jeep Grand Cherokee SUV 4WD Later Release5 stars 5 stars 5 stars 4 stars
2014 Jeep Grand Cherokee SUV 4WD Early Release4 stars 4 stars 5 stars 4 stars
2014 Jeep Grand Cherokee SUV 2WD Early Release4 stars 4 stars 5 stars 3 stars
2014 Jeep Grand Cherokee SUV 2WD Early Release4 stars 4 stars 5 stars 3 stars
2013 Jeep Grand Cherokee SUV 4WD4 stars 4 stars 5 stars 4 stars
2013 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2012 Jeep Grand Cherokee SUV 4WD4 stars 4 stars 5 stars 4 stars
2012 Jeep Grand Cherokee SUV 2WD4 stars 4 stars 5 stars 3 stars
2011 Jeep Grand Cherokee SUV RWD4 stars 4 stars 5 stars 3 stars
2011 Jeep Grand Cherokee SUV 4WD4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Get Your Rates Quote Now

A few builds of the Jeep Grand Cherokee have 3-star crash test ratings, which isn’t great.

Jeep Grand Cherokee Insurance Loss Probability

A low insurance loss probability means better rates, as there is less risk of an insurer having to pay out a claim. On the other hand, a high insurance loss probability means higher insurance rates.

Jeep Grand Cherokee Insurance Loss Probability
Insurance Coverage Category Loss Rate
Collision -21%
Property Damage 1%
Comprehensive -26%
Personal Injury -31%
Medical Payment -31%
Bodily Injury -2%
Source: Insurance Institute for Highway Safety
Get Your Rates Quote Now

All of these insurance loss probabilities look great, as the majority are negative.

Jeep Grand Cherokee Compared Against Other Vehicles in the Same Class

Classified as a midsize SUV, the Jeep Grand Cherokee has plenty of competition for its vehicle segment. Take a look at the following comparable models:

When it comes down to the figures, the IIHS reports that the Jeep Grand Cherokee has a bodily injury loss percentage of -2 percent and a property damage loss percentage of 1 percent. These figures are considered average for this vehicle class.

Frequently Asked Questions

  • Do Jeep Grand Cherokees have a lot of problems? They have a quarter of all complaints against Jeep models with 3,000 overall models.

We have uncovered a lot of information about Jeep Grand Cherokee car insurance, so is there anything we might’ve missed? If not, start comparing Jeep Grand Cherokee insurance rates from multiple companies by using our free online quote tool.

Rates by Driver Age

Jeep Grand Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $5,168
20 $3,214
30 $1,456
40 $1,396
50 $1,274
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Jeep Grand Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,768
$250 $1,596
$500 $1,396
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,396
50/100 $1,558
100/300 $1,656
250/500 $1,909
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
Age Premium
16 $7,376
20 $5,110
30 $3,080
40 $3,014
50 $2,874
60 $2,848

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.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles