Jeep Grand Cherokee Insurance Rates

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

Average premium for full coverage: $1,428

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Grand Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $818
• Using higher $1,000 deductibles will save $1,232 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,428
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,814
• Drivers with serious driving violations could pay around $3,096 or more
• The cost to insure a teen driver can cost $5,310 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect 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 are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see rates as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,930 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different.

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 Shop for More Affordable Jeep Grand Cherokee Insurance

Saving money on Jeep Grand Cherokee insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a summary of the data that was raised in the charts and tables above.

• It is possible to save around $170 per year simply by quoting early and online
• Drivers who purchase an increased level of liability coverage will pay approximately $440 annually to increase from a minimum limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing up to $443 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,670 more per year than a safer driver