Jeep Grand Cherokee 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Jeep Grand Cherokee 4xe are $1,716 a year for full coverage insurance. Comprehensive costs an estimated $420 each year, collision costs $922, and liability is $264. Liability-only coverage costs around $312 a year, with high-risk coverage costing around $3,748. Teens receive the highest rates at $5,976 a year or more.
Average premium for full coverage: $1,716
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Grand Cherokee 4xe models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $312 for just liability coverage to a high rate of $3,748 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates estimated Jeep Grand Cherokee 4xe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $928
- Raising to $1,000 deductibles will save approximately $304 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,716
- Selecting low deductibles will increase the cost to $2,314
- Drivers with serious driving violations could pay up to $3,748 or more
- The cost for full coverage for a 16-year-old driver can cost as much as $5,976
Car insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age
Where you live also has a big influence on Jeep Grand Cherokee 4xe insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,310 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,552 | -$164 | -9.6% |
| Alaska | $1,316 | -$400 | -23.3% |
| Arizona | $1,424 | -$292 | -17.0% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,954 | $238 | 13.9% |
| Colorado | $1,638 | -$78 | -4.5% |
| Connecticut | $1,760 | $44 | 2.6% |
| Delaware | $1,940 | $224 | 13.1% |
| Florida | $2,142 | $426 | 24.8% |
| Georgia | $1,584 | -$132 | -7.7% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,162 | -$554 | -32.3% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,292 | -$424 | -24.7% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,336 | $620 | 36.1% |
| Louisiana | $2,540 | $824 | 48.0% |
| Maine | $1,056 | -$660 | -38.5% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,370 | -$346 | -20.2% |
| Michigan | $2,976 | $1,260 | 73.4% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,842 | $126 | 7.3% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,238 | -$478 | -27.9% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,520 | -$196 | -11.4% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,758 | $42 | 2.4% |
| Oregon | $1,574 | -$142 | -8.3% |
| Pennsylvania | $1,634 | -$82 | -4.8% |
| Rhode Island | $2,286 | $570 | 33.2% |
| South Carolina | $1,554 | -$162 | -9.4% |
| South Dakota | $1,446 | -$270 | -15.7% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,268 | -$448 | -26.1% |
| Vermont | $1,170 | -$546 | -31.8% |
| Virginia | $1,030 | -$686 | -40.0% |
| Washington | $1,324 | -$392 | -22.8% |
| West Virginia | $1,574 | -$142 | -8.3% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,526 | -$190 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $910 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $237 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $2,100 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 137% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $438 | $930 | $258 | $1,736 |
| 2023 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
| 2022 Jeep Grand Cherokee 4xe | $406 | $900 | $274 | $1,690 |
Rates are averaged for all Jeep Grand Cherokee 4xe 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 the Cheapest Jeep Grand Cherokee 4xe Insurance
Saving money on insurance for a Jeep Grand Cherokee 4xe consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a recap of the data that was presented in the illustrations above.
- It is possible to save approximately $220 per year simply by quoting online in advance
- Insureds who want an increased level of liability coverage will pay approximately $290 annually to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $498 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents pay on average $2,030 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,976 |
| 20 | $4,000 |
| 30 | $1,828 |
| 40 | $1,716 |
| 50 | $1,562 |
| 60 | $1,536 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,314 |
| $250 | $2,034 |
| $500 | $1,716 |
| $1,000 | $1,412 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,769 |
| 100/300 | $1,835 |
| 250/500 | $2,006 |
| 100 CSL | $1,795 |
| 300 CSL | $1,940 |
| 500 CSL | $2,046 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,660 |
| 20 | $6,380 |
| 30 | $3,874 |
| 40 | $3,748 |
| 50 | $3,574 |
| 60 | $3,546 |
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 | $96 |
| Multi-vehicle | $90 |
| Homeowner | $21 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $94 |
| Advance Quote | $95 |
| Online Quote | $128 |
| Total Discounts | $788 |
Discounts are estimated and may not be available from every company or in every state.
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