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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Estimated insurance rates for a Jeep Grand Cherokee 4xe are $1,716 a year with full coverage. Comprehensive costs an estimated $420, collision costs $922, and liability costs around $264. Liability-only insurance costs as low as $312 a year, with high-risk driver insurance costing around $3,748. 16-year-old drivers pay the most at $5,976 a year or more.
Average premium for full coverage: $1,716
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Grand Cherokee 4xe models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Jeep Grand Cherokee 4xe go from as low as $312 for basic liability insurance to the much higher price of $3,748 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities.
The example below illustrates how location impacts insurance prices.
These rate differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on 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.
Rate Comparisons
The chart below details estimated Jeep Grand Cherokee 4xe insurance rates for other coverage scenarios.
- The best full coverage rate is $928
- Using higher $1,000 deductibles will save approximately $304 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,716
- Buying pricier low deductibles for physical damage coverage will increase the cost to $2,314
- High-risk insureds with multiple tickets or accidents could pay up to $3,748 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $5,976 or more
Insurance prices for a Jeep Grand Cherokee 4xe also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,900 a year. View Rates by Age
Where you choose to live has a huge impact on Jeep Grand Cherokee 4xe insurance prices. A driver around age 40 might see prices as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or at least $2,310 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $910 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $2,100 to $2,700 additional annually, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers can be from 45% to 137% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices will be substantially 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 More Affordable Jeep Grand Cherokee 4xe Insurance
Finding better rates on insurance for a Jeep Grand Cherokee 4xe requires being a good driver, having a good credit history, being claim-free, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a summary of the primary concepts that were touched on above.
- You may be able to save approximately $220 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,030 more annually than a safer driver
- Increasing policy deductibles can save around $900 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $498 per month including comprehensive and collision insurance
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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