Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,438 every 12 months with full coverage. Comprehensive costs around $320 a year, collision costs $570, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $3,108. Teens cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,438

Policy rates for type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $825
• Raising to $1,000 deductibles will save about $1,236 annually
• The average price for a good driver age 40 using $500 deductibles is $1,438
• Selecting low $100 deductibles increases the price to $1,832
• At-risk drivers with serious driving violations could pay at least $3,108 or more
• Policy cost to insure a teen driver can be $5,306

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for More Affordable Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.

Below is a summary of the data touched on in the above illustrations.

• Policyholders who may need higher levels of liability will pay approximately $430 every year to raise from a 30/60 limit to a 250/500 level
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teenage drivers are charged the highest rates, as much as $442 each month if full coverage is included