Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 7, 2024
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U.S. average insurance rates for a Jeep Grand Cherokee are $1,422 a year for full coverage insurance. Comprehensive insurance costs around $296, collision insurance costs $552, and liability costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs $3,086 or more. 16-year-old drivers pay the highest rates at up to $5,324 a year.
Average premium for full coverage: $1,422
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Grand Cherokee models.
Price Range from Low to High
For an average driver, Jeep Grand Cherokee insurance prices range from the low end price of $474 for minimum levels of liability insurance to the much higher price of $3,086 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code, 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.
Additional Rate Details
The chart below illustrates average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $814
- Drivers who choose higher $1,000 deductibles will pay about $190 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,422
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $376 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,086
- The price that insures a teen driver for full coverage can be $5,324 a year
Insurance prices for a Jeep Grand Cherokee are also quite variable based on the model of your Grand Cherokee, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,700 to $2,300 additional each year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age
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 $930 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,920 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$134 | -9.4% |
| Alaska | $1,094 | -$328 | -23.1% |
| Arizona | $1,182 | -$240 | -16.9% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,360 | -$62 | -4.4% |
| Connecticut | $1,464 | $42 | 3.0% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,780 | $358 | 25.2% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $962 | -$460 | -32.3% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,072 | -$350 | -24.6% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,354 | -$68 | -4.8% |
| Kentucky | $1,942 | $520 | 36.6% |
| Louisiana | $2,106 | $684 | 48.1% |
| Maine | $876 | -$546 | -38.4% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,138 | -$284 | -20.0% |
| Michigan | $2,472 | $1,050 | 73.8% |
| Minnesota | $1,190 | -$232 | -16.3% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,264 | -$158 | -11.1% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,124 | -$298 | -21.0% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,026 | -$396 | -27.8% |
| New Jersey | $1,592 | $170 | 12.0% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,500 | $78 | 5.5% |
| North Carolina | $820 | -$602 | -42.3% |
| North Dakota | $1,164 | -$258 | -18.1% |
| Ohio | $984 | -$438 | -30.8% |
| Oklahoma | $1,460 | $38 | 2.7% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,356 | -$66 | -4.6% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,248 | -$174 | -12.2% |
| Texas | $1,716 | $294 | 20.7% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $974 | -$448 | -31.5% |
| Virginia | $854 | -$568 | -39.9% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,304 | -$118 | -8.3% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Opting for high physical damage deductibles could save up to $570 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,300 | $108 |
| Jeep Grand Cherokee Laredo 4WD | $1,300 | $108 |
| Jeep Grand Cherokee Limited 2WD | $1,422 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,422 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,464 | $122 |
| Jeep Grand Cherokee | $1,462 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2023 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2022 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2021 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2019 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2017 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2016 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2015 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2014 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2013 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2011 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2010 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2009 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2008 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2007 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2006 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
Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief review of the primary concepts that were covered in the above illustrations.
- It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,660 more every year to insure their Grand Cherokee
- Increasing physical damage deductibles can save approximately $575 each year
- Teen drivers are charged the highest prices, as much as $444 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,324 |
| 20 | $3,294 |
| 30 | $1,484 |
| 40 | $1,422 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,624 |
| $500 | $1,422 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,533 |
| 100/300 | $1,621 |
| 250/500 | $1,851 |
| 100 CSL | $1,568 |
| 300 CSL | $1,763 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,598 |
| 20 | $5,246 |
| 30 | $3,154 |
| 40 | $3,086 |
| 50 | $2,946 |
| 60 | $2,920 |
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.
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 | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $608 |
Discounts are estimated and may not be available from every company or in every state.
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