Jeep Grand Cherokee Insurance Rates

Average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage insurance. Comprehensive costs around $306 each year, collision costs $566, and liability is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,096. 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, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Grand Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

These examples illustrate why all drivers should get 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.

Rates by State, City, and Model

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

• The best discount rate is $818
• Choosing higher $1,000 deductibles can save about $196 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,428
• Using low deductibles for comp and collision coverage increases the price to $1,814
• Unlucky 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 each year

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Auto insurance rates for a Jeep Grand Cherokee can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $590 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have 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 are probably paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Jeep Grand Cherokee insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,930 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted 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 takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the coverage data touched on above.

• It is possible to save up to $170 per year simply by quoting online in advance
• Increasing deductibles could save as much as $575 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $443 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,670 more every year than a driver with a clean driving record