Jeep Grand Cherokee Insurance Rates
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UPDATED: Apr 7, 2024
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Average insurance rates for a Jeep Grand Cherokee are $1,438 a year for full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $570, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $3,108 or more. Teenage drivers receive the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,438
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Grand Cherokee trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $452 for just liability insurance to a much higher rate of $3,108 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using average rates.
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.
More Rate Details
The chart below shows average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The best discount rate is $825
- Raising to $1,000 deductibles will save $202 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,438
- Using more expensive low deductibles will cost an additional $394 every year
- At-risk drivers who are prone to accidents and violations could pay around $3,108
- The cost that insures a teen driver with full coverage can cost $5,306
Auto insurance rates for a Jeep Grand Cherokee can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find rates as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,050 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$138 | -9.6% |
| Alaska | $1,104 | -$334 | -23.2% |
| Arizona | $1,196 | -$242 | -16.8% |
| Arkansas | $1,438 | -$0 | 0.0% |
| California | $1,638 | $200 | 13.9% |
| Colorado | $1,376 | -$62 | -4.3% |
| Connecticut | $1,478 | $40 | 2.8% |
| Delaware | $1,630 | $192 | 13.4% |
| Florida | $1,802 | $364 | 25.3% |
| Georgia | $1,330 | -$108 | -7.5% |
| Hawaii | $1,034 | -$404 | -28.1% |
| Idaho | $972 | -$466 | -32.4% |
| Illinois | $1,072 | -$366 | -25.5% |
| Indiana | $1,084 | -$354 | -24.6% |
| Iowa | $972 | -$466 | -32.4% |
| Kansas | $1,368 | -$70 | -4.9% |
| Kentucky | $1,962 | $524 | 36.4% |
| Louisiana | $2,132 | $694 | 48.3% |
| Maine | $888 | -$550 | -38.2% |
| Maryland | $1,188 | -$250 | -17.4% |
| Massachusetts | $1,152 | -$286 | -19.9% |
| Michigan | $2,502 | $1,064 | 74.0% |
| Minnesota | $1,204 | -$234 | -16.3% |
| Mississippi | $1,722 | $284 | 19.7% |
| Missouri | $1,276 | -$162 | -11.3% |
| Montana | $1,546 | $108 | 7.5% |
| Nebraska | $1,136 | -$302 | -21.0% |
| Nevada | $1,726 | $288 | 20.0% |
| New Hampshire | $1,036 | -$402 | -28.0% |
| New Jersey | $1,610 | $172 | 12.0% |
| New Mexico | $1,276 | -$162 | -11.3% |
| New York | $1,516 | $78 | 5.4% |
| North Carolina | $828 | -$610 | -42.4% |
| North Dakota | $1,180 | -$258 | -17.9% |
| Ohio | $994 | -$444 | -30.9% |
| Oklahoma | $1,478 | $40 | 2.8% |
| Oregon | $1,318 | -$120 | -8.3% |
| Pennsylvania | $1,372 | -$66 | -4.6% |
| Rhode Island | $1,920 | $482 | 33.5% |
| South Carolina | $1,306 | -$132 | -9.2% |
| South Dakota | $1,214 | -$224 | -15.6% |
| Tennessee | $1,262 | -$176 | -12.2% |
| Texas | $1,736 | $298 | 20.7% |
| Utah | $1,064 | -$374 | -26.0% |
| Vermont | $984 | -$454 | -31.6% |
| Virginia | $862 | -$576 | -40.1% |
| Washington | $1,110 | -$328 | -22.8% |
| West Virginia | $1,320 | -$118 | -8.2% |
| Wisconsin | $998 | -$440 | -30.6% |
| Wyoming | $1,282 | -$156 | -10.8% |
Using high physical damage deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,310 | $109 |
| Jeep Grand Cherokee Laredo 4WD | $1,310 | $109 |
| Jeep Grand Cherokee Limited 2WD | $1,438 | $120 |
| Jeep Grand Cherokee Limited 4WD | $1,438 | $120 |
| Jeep Grand Cherokee SRT-8 4WD | $1,480 | $123 |
| Jeep Grand Cherokee | $1,486 | $124 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee | $336 | $594 | $372 | $1,460 |
| 2023 Jeep Grand Cherokee | $320 | $570 | $390 | $1,438 |
| 2022 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2021 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2019 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2017 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2016 Jeep Grand Cherokee | $240 | $400 | $460 | $1,258 |
| 2015 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2014 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2013 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2011 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2010 Jeep Grand Cherokee | $176 | $248 | $474 | $1,056 |
| 2009 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2008 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2007 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2006 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2005 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2004 Jeep Grand Cherokee | $138 | $170 | $442 | $908 |
Rates are averaged for all Jeep Grand Cherokee 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 Low Cost Jeep Grand Cherokee Insurance
Saving money on car insurance consists of avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Compare prices at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a review of the primary concepts that were covered above.
- Drivers can save around $170 per year just by shopping early and online
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,670 more per year to insure a Jeep Grand Cherokee
- Increasing deductibles can save approximately $600 each year
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $442 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,314 |
| 30 | $1,504 |
| 40 | $1,438 |
| 50 | $1,314 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,650 |
| $500 | $1,438 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,438 |
| 50/100 | $1,552 |
| 100/300 | $1,635 |
| 250/500 | $1,851 |
| 100 CSL | $1,586 |
| 300 CSL | $1,768 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,578 |
| 20 | $5,272 |
| 30 | $3,180 |
| 40 | $3,108 |
| 50 | $2,964 |
| 60 | $2,938 |
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 | $77 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $613 |
Discounts are estimated and may not be available from every company or in every state.
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