Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,428 a year with full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $566, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,096 or more. Teens pay the highest rates at up to $5,310 a year.

Average premium for full coverage: $1,428

Price estimates broken down by individual coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details average Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $818
• Choosing higher $1,000 deductibles can save approximately $196 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,428
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $386 every year
• Unlucky drivers with serious driving violations could pay up to $3,096
• The price that insures a teen driver with full coverage can cost as much as $5,310 each year

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Auto insurance prices for a Jeep Grand Cherokee are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 43% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Jeep Grand Cherokee insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,930 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $590 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $304 extra every 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 Low Cost Jeep Grand Cherokee Insurance

Getting lower rates on car insurance takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

The next list is a review of the material that was touched on above.

• Policyholders who want increased levels of liability coverage will pay approximately $440 every year to raise limits from a low limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, costing up to $443 a month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,670 more annually to buy Jeep Grand Cherokee insurance
• Increasing physical damage deductibles can save approximately $575 each year