Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive costs approximately $306, collision insurance costs $566, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs around $3,096. 16-year-old drivers cost the most to insure at up to $5,310 a year.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $818
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,428
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,814
• Drivers with multiple tickets or accidents could pay around $3,096
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,310 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or at least $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Jeep Grand Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Grand Cherokee not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop at least every other year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,670 more per year than a safer driver
• Drivers can save around $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Insureds who purchase an increased level of liability coverage will pay around $440 each year to go from a 30/60 limit to the 250/500 level