Jeep Grand Cherokee Insurance Rates

Average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually including full coverage. Comprehensive insurance costs an estimated $296 each year, collision costs $552, and liability costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,086 or more. 16-year-old drivers receive the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Grand Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using rate averages.

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

More Rate Information

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The best full coverage rate is $814
• Using higher $1,000 deductibles will save approximately $190 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,422
• Buying low deductibles for physical damage coverage costs an additional $376 every year
• Drivers with multiple tickets or accidents could pay up to $3,086 or more
• The cost with full coverage for a teen driver can cost as much as $5,324 or more

View Chart as Image

Auto insurance rates for a Jeep Grand Cherokee can also vary considerably based on the trim level of your Grand Cherokee, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $570 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Jeep Grand Cherokee insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,030 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.

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 Buy Cheaper Jeep Grand Cherokee Insurance

Saving money on car insurance requires being a good driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a condensed summary of the data covered in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay around $460 per year to increase from a minimum limit to higher 250/500 limits
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing deductibles could save up to $575 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $444 per month if full coverage is included