Jeep Grand Cherokee Insurance Rates

Estimated insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage. Comprehensive costs an estimated $306, collision insurance costs $566, and liability insurance is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs around $3,096. 16-year-old drivers pay the most at up to $5,310 a year.

Average premium for full coverage: $1,428

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Grand Cherokee trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below shows average Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The best full coverage rate is $818
• Raising to $1,000 deductibles will save approximately $196 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,428
• Buying more expensive low deductibles increases the price to $1,814
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,096
• An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,310

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Insurance prices for a Jeep Grand Cherokee also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $590 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find prices as low as $940 a year in states like Iowa, Maine, and Idaho, or at least $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 the Best Jeep Grand Cherokee Insurance

Finding better rates on Jeep Grand Cherokee insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a brief recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $170 per year just by shopping early and online
• High-risk drivers who tend to receive serious violations pay on average $1,670 more annually than a driver with a clean driving record
• Increasing policy deductibles could save as much as $575 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $443 per month if full coverage is included