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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Average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage. Comprehensive insurance costs approximately $306, collision costs $566, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $3,096 or more. 16-year-old drivers receive the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Rate estimates by individual coverage type:

Comprehensive $306
Collision $566
Liability $398

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Grand Cherokee models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $460 for your basic liability-only policy to the much higher price of $3,096 for a driver who requires high-risk insurance.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

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

These examples show why everyone should compare prices using their specific location and their own driving history, instead of using 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.

More Rate Information

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

  • The best full coverage rate is $818
  • Using higher $1,000 deductibles will save $196 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,428
  • Buying pricier low deductibles for physical damage coverage costs an extra $386 every year
  • Drivers with multiple tickets or accidents could pay around $3,096 or more
  • The cost to insure a teen driver for full coverage can cost $5,310 or more

View Chart as Image

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

Insurance rates for a Jeep Grand Cherokee can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Grand Cherokee.

Opting for high physical damage deductibles could cut rates by as much as $590 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Jeep Grand Cherokee insurance prices. A driver around age 40 might see rates 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.

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

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates can be significantly 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 Affordable Jeep Grand Cherokee Insurance

Saving money on car insurance requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the concepts that were covered in the charts and tables above.

  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,670 more per year than a low-risk driver
  • Youthful drivers are the costliest to insure, costing as high as $443 per month if full coverage is included
  • Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $575 each year
  • Drivers can save around $170 per year simply by quoting online well ahead of the renewal date

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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