Jeep Grand Cherokee Insurance Rates

Average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months with full coverage. Comprehensive insurance costs around $306 a year, collision costs $566, and liability is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing $3,096 or more. Teenage drivers receive the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

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

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

Detailed Rate Analysis

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

• The best discount rate is $818
• Raising to $1,000 deductibles will save about $1,232 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,428
• Using low $100 deductibles costs an extra $386 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,096 or more
• The cost to insure a teen driver can be $5,310

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $590 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $304 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 for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional 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 a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,930 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, 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 uses a different method to calculate rates, and rates can be significantly different.

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 Cheaper Jeep Grand Cherokee Insurance

Saving money on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the information touched on above.

• You may be able to save up to $170 per year simply by quoting early and online
• Teenagers are charged the highest rates, with premiums as much as $443 per month if full coverage is included
• Increasing deductibles could save as much as $575 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,670 more every year for car insurance
• Policyholders who may need higher liability limits will pay an extra $440 every year to raise from a minimum limit to a 250/500 level