Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months including full coverage. Comprehensive insurance costs approximately $306, collision costs $566, and liability insurance costs around $398. A policy with only liability insurance costs as low as $460 a year, with a high-risk policy costing $3,096 or more. Teen drivers pay the most at $5,310 a year or more.
Average premium for full coverage: $1,428
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Grand Cherokee trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Jeep Grand Cherokee go from the cheapest price of $460 for just liability insurance to a much higher rate of $3,096 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on price averages.
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 breaks down estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $818
- Using higher $1,000 deductibles will save $196 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,428
- Choosing more expensive low deductibles for physical damage coverage costs an extra $386 a year
- Drivers with multiple violations and an at-fault accident could pay around $3,096 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $5,310 or more
Car insurance prices for a Jeep Grand Cherokee also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Grand Cherokee.
Choosing high deductibles could cut prices by as much as $590 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,040 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Best Jeep Grand Cherokee Insurance
Finding better rates on Jeep Grand Cherokee insurance requires being a good driver, maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a brief recap of the primary concepts that were presented in the illustrations above.
- You may be able to save around $170 per year simply by shopping early and online
- High-risk drivers who tend to receive serious violations could be charged and average of $1,670 more per year than a safer driver
- Increasing policy deductibles could save as much as $575 each year
- Drivers age 16 to 20 pay the highest auto insurance prices, with the cost nearing $443 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,814 |
| $250 | $1,636 |
| $500 | $1,428 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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