Jeep Grand Cherokee Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 7, 2024

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.

Average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive costs around $306 a year, collision costs $566, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $3,096. Teens receive the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Rate estimates for individual coverage type:

Comprehensive $306
Collision $566
Liability $398

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Grand Cherokee trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $460 for minimum levels of liability insurance to a high of $3,096 for a policy for a high-risk driver.

Liability Only $460
Full Coverage $1,428
High Risk $3,096

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $1,071
Small Cities $1,499
Large Cities $1,928

These examples show why it is important to compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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 Details

The chart below shows estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $818
  • Drivers who choose higher $1,000 deductibles will pay about $1,232 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,428
  • Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,814
  • High risk drivers with serious driving violations could pay at least $3,096 or more
  • The cost for full coverage for a teen driver can be $5,310 a year

View Chart as Image

Jeep Grand Cherokee insurance cost comparison chart
Column chart showing full coverage Jeep Grand Cherokee insurance rates range from $818 to $5,310

Car insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the trim level of your Grand Cherokee, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Where you live 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 have to pay at least $2,040 on average in Michigan, Louisiana, and New York.

Jeep Grand Cherokee Insurance Rates by State
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%

View Chart as Image

Jeep Grand Cherokee insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $590 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly 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 $1,304 $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.

Jeep Grand Cherokee Insurance Rates by Model Year
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 Find Affordable Jeep Grand Cherokee Insurance

Saving money on Jeep Grand Cherokee insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below is a brief review of the coverage data touched on above.

  • Drivers can save up to $170 per year simply by quoting early and online
  • Increasing deductibles can save around $575 each year
  • Teenage drivers are the costliest to insure, costing as high as $443 per month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,670 more every year for auto insurance

Rates by Driver Age

Jeep Grand Cherokee Insurance 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

Jeep Grand Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,814
$250 $1,636
$500 $1,428
$1,000 $1,232

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee Insurance Rates with Different Liability Limits
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

Jeep Grand Cherokee Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $818

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 lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles