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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Average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually with full coverage. Comprehensive insurance costs an estimated $306 each year, 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. 16-year-old drivers receive the highest rates at up to $5,310 a year.
Average premium for full coverage: $1,428
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Grand Cherokee models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $460 for minimum levels of liability insurance to a high rate of $3,096 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.
These examples demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, 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 details average Jeep Grand Cherokee insurance rates for other coverage scenarios.
- The best full coverage rate is $818
- Choosing higher $1,000 deductibles can save approximately $196 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,428
- Buying low deductibles for comp and collision coverage costs an additional $386 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,096
- The cost with full coverage for a teen driver can cost as much as $5,310 each year
Car insurance rates for a Jeep Grand Cherokee can also vary considerably based on the trim level of your Grand Cherokee, your driving record, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $590 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live 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 at least $1,930 on average in New York, Michigan, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Affordable Jeep Grand Cherokee Insurance
Saving money on car insurance takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below is a brief review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,670 more annually for auto insurance
- You may be able to save approximately $170 per year just by quoting online in advance
- Increasing deductibles could save up to $575 each year
- Policyholders who want higher levels of liability will pay around $440 every year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,814 |
| $250 | $1,636 |
| $500 | $1,428 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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