Jeep Grand Cherokee Insurance Rates

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Cheapest 2001 Jeep Grand Cherokee Insurance Rates in 2025

Looking for better auto insurance rates for your Jeep Grand Cherokee? Paying for high-priced Jeep Grand Cherokee insurance can drain your checking account and make it impossible to make ends meet. Shopping your coverage around is a great way to cut your insurance bill. Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually including full coverage. Comprehensive insurance costs on average $306 a year, collision insurance costs $566, and liability is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs $3,096 or more. Teens receive the highest rates at up to $5,310 a year.

Average premium for full coverage: $1,428

Rate estimates by individual coverage type:

Comprehensive $306
Collision $566
Liability $398

Estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Grand Cherokee trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $460 for basic liability insurance to a high of $3,096 for coverage for higher-risk drivers.

Liability Only $460
Full Coverage $1,428
High Risk $3,096

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $1,071
Small Cities $1,499
Large Cities $1,928

These examples highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of 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.

Rate Comparisons

The chart below breaks down average Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $818
  • Raising to $1,000 deductibles will save around $1,232 every year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,428
  • Selecting low $100 deductibles costs an additional $386 every year
  • At-risk drivers with serious driving violations could pay upwards of $3,096
  • The cost with full coverage for a teen driver may cost $5,310

View Chart as Image

Jeep Grand Cherokee insurance cost comparison chart
Column chart showing Jeep Grand Cherokee insurance prices range from $818 to $5,310 for full coverage

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $590 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,040 on average in Michigan, New York, and Louisiana.

Jeep Grand Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,294 -$134 -9.4%
Alaska $1,098 -$330 -23.1%
Arizona $1,186 -$242 -16.9%
Arkansas $1,428 -$0 0.0%
California $1,630 $202 14.1%
Colorado $1,364 -$64 -4.5%
Connecticut $1,472 $44 3.1%
Delaware $1,616 $188 13.2%
Florida $1,790 $362 25.4%
Georgia $1,322 -$106 -7.4%
Hawaii $1,026 -$402 -28.2%
Idaho $968 -$460 -32.2%
Illinois $1,066 -$362 -25.4%
Indiana $1,078 -$350 -24.5%
Iowa $966 -$462 -32.4%
Kansas $1,360 -$68 -4.8%
Kentucky $1,950 $522 36.6%
Louisiana $2,116 $688 48.2%
Maine $884 -$544 -38.1%
Maryland $1,180 -$248 -17.4%
Massachusetts $1,144 -$284 -19.9%
Michigan $2,484 $1,056 73.9%
Minnesota $1,196 -$232 -16.2%
Mississippi $1,714 $286 20.0%
Missouri $1,268 -$160 -11.2%
Montana $1,536 $108 7.6%
Nebraska $1,128 -$300 -21.0%
Nevada $1,716 $288 20.2%
New Hampshire $1,032 -$396 -27.7%
New Jersey $1,598 $170 11.9%
New Mexico $1,268 -$160 -11.2%
New York $1,506 $78 5.5%
North Carolina $824 -$604 -42.3%
North Dakota $1,172 -$256 -17.9%
Ohio $988 -$440 -30.8%
Oklahoma $1,470 $42 2.9%
Oregon $1,310 -$118 -8.3%
Pennsylvania $1,364 -$64 -4.5%
Rhode Island $1,908 $480 33.6%
South Carolina $1,296 -$132 -9.2%
South Dakota $1,206 -$222 -15.5%
Tennessee $1,252 -$176 -12.3%
Texas $1,724 $296 20.7%
Utah $1,058 -$370 -25.9%
Vermont $980 -$448 -31.4%
Virginia $856 -$572 -40.1%
Washington $1,106 -$322 -22.5%
West Virginia $1,312 -$116 -8.1%
Wisconsin $990 -$438 -30.7%
Wyoming $1,274 -$154 -10.8%

View Chart as Image

Jeep Grand Cherokee insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Jeep Grand Cherokee Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Grand Cherokee Laredo 2WD $1,304 $109
Jeep Grand Cherokee Laredo 4WD $1,304 $109
Jeep Grand Cherokee Limited 2WD $1,428 $119
Jeep Grand Cherokee Limited 4WD $1,428 $119
Jeep Grand Cherokee SRT-8 4WD $1,472 $123
Jeep Grand Cherokee $1,474 $123

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.

Jeep Grand Cherokee Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Grand Cherokee $320 $570 $390 $1,438
2023 Jeep Grand Cherokee $306 $566 $398 $1,428
2022 Jeep Grand Cherokee $296 $552 $416 $1,422
2021 Jeep Grand Cherokee $286 $530 $430 $1,404
2019 Jeep Grand Cherokee $260 $474 $452 $1,344
2017 Jeep Grand Cherokee $240 $400 $460 $1,258
2016 Jeep Grand Cherokee $224 $368 $460 $1,210
2015 Jeep Grand Cherokee $216 $346 $464 $1,184
2014 Jeep Grand Cherokee $210 $322 $474 $1,164
2013 Jeep Grand Cherokee $194 $300 $474 $1,126
2011 Jeep Grand Cherokee $176 $248 $474 $1,056
2010 Jeep Grand Cherokee $166 $226 $474 $1,024
2009 Jeep Grand Cherokee $162 $202 $468 $990
2008 Jeep Grand Cherokee $158 $198 $460 $974
2007 Jeep Grand Cherokee $156 $188 $452 $954
2006 Jeep Grand Cherokee $142 $180 $446 $926
2005 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 Buy Low Cost Jeep Grand Cherokee Insurance

Saving money on car insurance consists of having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a review of the primary concepts that were presented in the illustrations above.

  • You may be able to save as much as $170 per year just by quoting early and online
  • Higher risk drivers who have several accidents or serious violations pay on average $1,670 more each year to buy Jeep Grand Cherokee insurance
  • Increasing deductibles could save up to $575 each year
  • Drivers age 20 and younger are expensive to insure, as much as $443 per month if comprehensive and collision insurance is included

Rates by Driver Age

Jeep Grand Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $5,310
20 $3,306
30 $1,496
40 $1,428
50 $1,306
60 $1,282

Full coverage, $500 deductibles

Rates by Deductible

Jeep Grand Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,814
$250 $1,636
$500 $1,428
$1,000 $1,232

Full coverage, driver age 40

Rates by Liability Limit

Jeep Grand Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,428
50/100 $1,542
100/300 $1,626
250/500 $1,846
100 CSL $1,575
300 CSL $1,761
500 CSL $1,897

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Grand Cherokee Insurance Rates for High Risk Drivers
Age Premium
16 $7,582
20 $5,258
30 $3,168
40 $3,096
50 $2,956
60 $2,930

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.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $76
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $71
Online Quote $102
Total Discounts $610
Rate after discounts $818

Discounts are estimated and may not be available from every company or in every state.

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