Jeep Grand Cherokee Insurance Rates

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Cheap 2024 Jeep Grand Cherokee Car Insurance Quotes

Have you finally had enough of scraping nickels together to pay your auto insurance bill each month? You have the same problem as millions of other drivers. Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate Compare quotes for car insurance Getting a cheap price on 2024 Jeep Grand Cherokee i...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 7, 2024

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U.S. average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage. Comprehensive costs on average $306, collision costs $566, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing around $3,096. Teenage drivers pay the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Price estimates by individual coverage:

Comprehensive $306
Collision $566
Liability $398

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Grand Cherokee trim levels.

Price Range from Low to High

For a 40-year-old driver, Jeep Grand Cherokee insurance prices go from the cheapest price of $460 for basic liability insurance to a much higher rate of $3,096 for a high-risk driver policy.

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

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

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

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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.

Rate Comparisons

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

  • The best discount rate is $818
  • Drivers who choose higher $1,000 deductibles will pay around $196 a year
  • The average price for the average middle-age driver with $500 deductibles is $1,428
  • Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,814
  • Drivers who are prone to accidents and violations could pay upwards of $3,096 or more
  • The price to insure a 16-year-old driver with full coverage may cost $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

Insurance prices for a Jeep Grand Cherokee are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Grand Cherokee.

Using high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, 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 from 43% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Shop for Cheaper Jeep Grand Cherokee Insurance

Getting lower rates on insurance for a Jeep Grand Cherokee not only requires having a good driving record, but also having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a condensed summary of the information illustrated above.

  • Drivers can save as much as $170 per year simply by shopping early and online
  • Drivers age 20 and younger pay the highest prices, with premiums as much as $443 a month if they have full coverage
  • Increasing physical damage deductibles could save as much as $575 each year
  • Drivers considered higher risk with multiple at-fault accidents pay an average of $1,670 more each year to buy Jeep Grand Cherokee insurance
  • Insureds who require increased levels of liability coverage will pay an extra $440 each year to go from a low limit to a 250/500 level

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.

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