Jeep Grand Cherokee 4xe Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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The average auto insurance rates for a Jeep Grand Cherokee 4xe are $1,716 annually including full coverage. Comprehensive costs around $420 a year, collision insurance costs $922, and liability costs around $264. Liability-only coverage costs as low as $312 a year, and high-risk coverage costs around $3,748. Teens cost the most to insure at up to $5,976 a year.
Average premium for full coverage: $1,716
Policy rates for type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee 4xe trim levels.
Price Range Variability
Using a middle-aged driver as an example, Jeep Grand Cherokee 4xe insurance rates range from as cheap as $312 for just liability coverage to a high of $3,748 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.
The examples above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, 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 breaks down average Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $928
- Using higher $1,000 deductibles will save about $1,412 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,716
- Selecting low $100 deductibles for physical damage coverage will cost $2,314
- High-risk insureds with serious driving violations could pay at least $3,748
- Policy cost with full coverage for a 16-year-old driver can be $5,976 or more
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $2,100 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy can be from 45% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $910 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $237 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Jeep Grand Cherokee 4xe insurance prices. A driver around age 40 might see rates as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,450 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy Low Cost Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a review of the data that was touched on in the above illustrations.
- You may be able to save up to $220 per year just by quoting early and online
- Insureds who may need increased liability limits will pay approximately $290 per year to increase from a 30/60 limit to higher 250/500 limits
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $498 each month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $2,030 more every year to insure a Jeep Grand Cherokee 4xe
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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