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 $1,736 a year for full coverage. Comprehensive costs approximately $438 each year, collision costs $930, and liability costs $258. A policy with just liability insurance costs as little as $306 a year, with coverage for high-risk drivers costing around $3,782. Teen drivers receive the highest rates at $6,002 a year or more.
Average premium for full coverage: $1,736
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Grand Cherokee 4xe models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $306 for the bare minimum liability coverage to a high rate of $3,782 for a high-risk insurance policy.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance prices.
These examples show why all drivers should compare rates using their specific location and risk profile, instead of using price 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.
Additional Rate Information
The chart below shows estimated Jeep Grand Cherokee 4xe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $939
- Drivers who choose higher $1,000 deductibles will pay $310 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,736
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $2,344
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,782 or more
- The cost for full coverage for a teen driver can cost $6,002 a year
Insurance rates for a Jeep Grand Cherokee 4xe can also vary considerably based on your driver profile, the trim level of your Grand Cherokee 4xe, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age
Where you live makes a big difference in Jeep Grand Cherokee 4xe insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Iowa, Maine, and Idaho, or as much as $2,470 on average in New York, Louisiana, and Michigan.
| 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 high deductibles could save up to $920 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $232 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $2,100 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.
| 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 the Best Jeep Grand Cherokee 4xe Insurance
Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a brief recap of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers who tend to receive serious violations may pay on average $2,050 more per year than a driver with a clean driving record
- Drivers can save around $230 per year simply by quoting online in advance
- Increasing deductibles can save around $925 each year
- Policyholders who purchase additional liability coverage will pay about $280 each year to go from a minimum limit to 250/500 limits
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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