Jeep Grand Cherokee 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Grand Cherokee 4xe are $1,736 a year for full coverage insurance. Comprehensive costs around $438, collision insurance costs $930, and liability coverage is estimated at $258. Liability-only coverage costs approximately $306 a year, and high-risk coverage costs around $3,782. Teens cost the most to insure at up to $6,002 a year.
Average premium for full coverage: $1,736
Policy rates for type of insurance:
Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Grand Cherokee 4xe models.
Price Range Variability
For a 40-year-old driver, Jeep Grand Cherokee 4xe insurance rates range from as low as $306 for liability-only coverage to the much higher price of $3,782 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code and risk profile, rather than using 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 Charts and Tables
The chart below illustrates average Jeep Grand Cherokee 4xe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $939
- Choosing higher $1,000 deductibles can save about $310 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,736
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $2,344
- Drivers with serious driving violations could pay at least $3,782
- Policy cost for full coverage for a teenage driver for full coverage can be $6,002 each year
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $6,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Jeep Grand Cherokee 4xe insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,340 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$168 | -9.7% |
| Alaska | $1,332 | -$404 | -23.3% |
| Arizona | $1,440 | -$296 | -17.1% |
| Arkansas | $1,736 | -$0 | 0.0% |
| California | $1,976 | $240 | 13.8% |
| Colorado | $1,656 | -$80 | -4.6% |
| Connecticut | $1,782 | $46 | 2.6% |
| Delaware | $1,962 | $226 | 13.0% |
| Florida | $2,166 | $430 | 24.8% |
| Georgia | $1,604 | -$132 | -7.6% |
| Hawaii | $1,246 | -$490 | -28.2% |
| Idaho | $1,174 | -$562 | -32.4% |
| Illinois | $1,294 | -$442 | -25.5% |
| Indiana | $1,308 | -$428 | -24.7% |
| Iowa | $1,172 | -$564 | -32.5% |
| Kansas | $1,648 | -$88 | -5.1% |
| Kentucky | $2,364 | $628 | 36.2% |
| Louisiana | $2,568 | $832 | 47.9% |
| Maine | $1,068 | -$668 | -38.5% |
| Maryland | $1,430 | -$306 | -17.6% |
| Massachusetts | $1,386 | -$350 | -20.2% |
| Michigan | $3,012 | $1,276 | 73.5% |
| Minnesota | $1,452 | -$284 | -16.4% |
| Mississippi | $2,078 | $342 | 19.7% |
| Missouri | $1,538 | -$198 | -11.4% |
| Montana | $1,864 | $128 | 7.4% |
| Nebraska | $1,366 | -$370 | -21.3% |
| Nevada | $2,080 | $344 | 19.8% |
| New Hampshire | $1,252 | -$484 | -27.9% |
| New Jersey | $1,938 | $202 | 11.6% |
| New Mexico | $1,536 | -$200 | -11.5% |
| New York | $1,826 | $90 | 5.2% |
| North Carolina | $998 | -$738 | -42.5% |
| North Dakota | $1,420 | -$316 | -18.2% |
| Ohio | $1,198 | -$538 | -31.0% |
| Oklahoma | $1,778 | $42 | 2.4% |
| Oregon | $1,590 | -$146 | -8.4% |
| Pennsylvania | $1,654 | -$82 | -4.7% |
| Rhode Island | $2,314 | $578 | 33.3% |
| South Carolina | $1,572 | -$164 | -9.4% |
| South Dakota | $1,464 | -$272 | -15.7% |
| Tennessee | $1,518 | -$218 | -12.6% |
| Texas | $2,088 | $352 | 20.3% |
| Utah | $1,284 | -$452 | -26.0% |
| Vermont | $1,184 | -$552 | -31.8% |
| Virginia | $1,040 | -$696 | -40.1% |
| Washington | $1,338 | -$398 | -22.9% |
| West Virginia | $1,592 | -$144 | -8.3% |
| Wisconsin | $1,200 | -$536 | -30.9% |
| Wyoming | $1,544 | -$192 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $920 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $232 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $2,100 to $2,700 additional every year, depending on your age. Jeep Grand Cherokee 4xe insurance for high-risk drivers ranges around 45% to 135% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $458 | $968 | $246 | $1,782 |
| 2023 Jeep Grand Cherokee 4xe | $438 | $930 | $258 | $1,736 |
| 2022 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
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 Cheaper Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the material that was illustrated above.
- Consumers who may need higher levels of liability will pay approximately $280 annually to raise limits from a 30/60 limit to 250/500 limits
- Teenage drivers are charged the highest rates, possibly costing $500 each month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents may pay on average $2,050 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save around $925 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,002 |
| 20 | $4,032 |
| 30 | $1,850 |
| 40 | $1,736 |
| 50 | $1,578 |
| 60 | $1,552 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,344 |
| $250 | $2,060 |
| $500 | $1,736 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,736 |
| 50/100 | $1,788 |
| 100/300 | $1,852 |
| 250/500 | $2,020 |
| 100 CSL | $1,813 |
| 300 CSL | $1,955 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,702 |
| 20 | $6,426 |
| 30 | $3,910 |
| 40 | $3,782 |
| 50 | $3,604 |
| 60 | $3,574 |
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 | $98 |
| Multi-vehicle | $90 |
| Homeowner | $21 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $117 |
| Paid in Full/EFT | $95 |
| Advance Quote | $96 |
| Online Quote | $130 |
| Total Discounts | $797 |
Discounts are estimated and may not be available from every company or in every state.
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