Jeep Grand Cherokee 4xe 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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Jeep Grand Cherokee 4xe are $1,690 annually including full coverage. Comprehensive insurance costs around $406, collision costs $900, and liability insurance is $274. Liability-only insurance costs around $322 a year, with high-risk driver insurance costing $3,698 or more. Teens pay the highest rates at $5,920 a year or more.
Average premium for full coverage: $1,690
Price estimates for individual coverage:
Full coverage includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Grand Cherokee 4xe trim levels.
Price Range from Low to High
For an average driver, Jeep Grand Cherokee 4xe insurance prices go from as cheap as $322 for just the minimum liability insurance to a much higher rate of $3,698 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, 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.
Additional Rate Analysis
The chart below breaks down estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $913
- Raising to $1,000 deductibles will save about $296 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,690
- Selecting more expensive low deductibles costs an additional $582 a year
- Higher-risk drivers with serious driving violations could pay at least $3,698 or more
- The price with full coverage for a teen driver with full coverage can be $5,920
Car insurance prices for a Jeep Grand Cherokee 4xe are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 46% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $880 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Jeep Grand Cherokee 4xe insurance rates. A middle-age driver might find prices as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,410 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,528 | -$162 | -9.6% |
| Alaska | $1,294 | -$396 | -23.4% |
| Arizona | $1,404 | -$286 | -16.9% |
| Arkansas | $1,690 | -$0 | 0.0% |
| California | $1,926 | $236 | 14.0% |
| Colorado | $1,612 | -$78 | -4.6% |
| Connecticut | $1,736 | $46 | 2.7% |
| Delaware | $1,910 | $220 | 13.0% |
| Florida | $2,112 | $422 | 25.0% |
| Georgia | $1,562 | -$128 | -7.6% |
| Hawaii | $1,214 | -$476 | -28.2% |
| Idaho | $1,144 | -$546 | -32.3% |
| Illinois | $1,260 | -$430 | -25.4% |
| Indiana | $1,274 | -$416 | -24.6% |
| Iowa | $1,142 | -$548 | -32.4% |
| Kansas | $1,602 | -$88 | -5.2% |
| Kentucky | $2,302 | $612 | 36.2% |
| Louisiana | $2,502 | $812 | 48.0% |
| Maine | $1,042 | -$648 | -38.3% |
| Maryland | $1,392 | -$298 | -17.6% |
| Massachusetts | $1,350 | -$340 | -20.1% |
| Michigan | $2,936 | $1,246 | 73.7% |
| Minnesota | $1,416 | -$274 | -16.2% |
| Mississippi | $2,024 | $334 | 19.8% |
| Missouri | $1,500 | -$190 | -11.2% |
| Montana | $1,818 | $128 | 7.6% |
| Nebraska | $1,332 | -$358 | -21.2% |
| Nevada | $2,028 | $338 | 20.0% |
| New Hampshire | $1,218 | -$472 | -27.9% |
| New Jersey | $1,886 | $196 | 11.6% |
| New Mexico | $1,496 | -$194 | -11.5% |
| New York | $1,780 | $90 | 5.3% |
| North Carolina | $972 | -$718 | -42.5% |
| North Dakota | $1,382 | -$308 | -18.2% |
| Ohio | $1,168 | -$522 | -30.9% |
| Oklahoma | $1,734 | $44 | 2.6% |
| Oregon | $1,552 | -$138 | -8.2% |
| Pennsylvania | $1,610 | -$80 | -4.7% |
| Rhode Island | $2,252 | $562 | 33.3% |
| South Carolina | $1,530 | -$160 | -9.5% |
| South Dakota | $1,426 | -$264 | -15.6% |
| Tennessee | $1,478 | -$212 | -12.5% |
| Texas | $2,034 | $344 | 20.4% |
| Utah | $1,252 | -$438 | -25.9% |
| Vermont | $1,154 | -$536 | -31.7% |
| Virginia | $1,012 | -$678 | -40.1% |
| Washington | $1,302 | -$388 | -23.0% |
| West Virginia | $1,552 | -$138 | -8.2% |
| Wisconsin | $1,170 | -$520 | -30.8% |
| Wyoming | $1,502 | -$188 | -11.1% |
Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
| 2023 Jeep Grand Cherokee 4xe | $406 | $900 | $274 | $1,690 |
| 2022 Jeep Grand Cherokee 4xe | $392 | $862 | $284 | $1,648 |
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 Buy More Affordable Jeep Grand Cherokee 4xe Insurance
Getting lower rates on Jeep Grand Cherokee 4xe insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the coverage data covered in the above illustrations.
- You may be able to save up to $220 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $875 each year
- Teens are the costliest to insure, possibly costing $493 a month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations may pay on average $2,010 more every year for Grand Cherokee 4xe insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,920 |
| 20 | $3,946 |
| 30 | $1,798 |
| 40 | $1,690 |
| 50 | $1,540 |
| 60 | $1,514 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,272 |
| $250 | $1,998 |
| $500 | $1,690 |
| $1,000 | $1,394 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,690 |
| 50/100 | $1,745 |
| 100/300 | $1,813 |
| 250/500 | $1,991 |
| 100 CSL | $1,772 |
| 300 CSL | $1,923 |
| 500 CSL | $2,033 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,576 |
| 20 | $6,294 |
| 30 | $3,818 |
| 40 | $3,698 |
| 50 | $3,526 |
| 60 | $3,500 |
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 | $95 |
| Multi-vehicle | $89 |
| Homeowner | $21 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $114 |
| Paid in Full/EFT | $92 |
| Advance Quote | $94 |
| Online Quote | $126 |
| Total Discounts | $777 |
Discounts are estimated and may not be available from every company or in every state.
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