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...
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UPDATED: Apr 7, 2024
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Estimated insurance prices for a Jeep Grand Cherokee are $1,422 every 12 months with full coverage. Comprehensive costs around $296, collision insurance costs $552, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs around $3,086. Teens pay the most at up to $5,324 a year.
Average premium for full coverage: $1,422
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Grand Cherokee models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jeep Grand Cherokee range from the cheapest price of $474 for a discount liability-only rate to the much higher price of $3,086 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should compare prices for a specific zip code and their own driving history, 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.
Rates by State, City, and Model
The chart below details average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $814
- Using higher $1,000 deductibles will save about $190 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,422
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,798
- Drivers with serious driving violations could pay at least $3,086
- An auto insurance policy to insure a teen driver for full coverage can be $5,324 or more
Insurance prices for a Jeep Grand Cherokee also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional annually, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,920 on average in Florida, Michigan, and New York.
| 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% |
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 Shop for Low Cost Jeep Grand Cherokee Insurance
Finding better rates on Jeep Grand Cherokee insurance requires having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
The following items are a review of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $444 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations pay on average $1,660 more every year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $575 each year
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
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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