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...

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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 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:

Comprehensive $306
Collision $566
Liability $398

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

For the average driver, prices range go from the cheapest price of $460 for just liability coverage to a high of $3,096 for a high-risk driver policy.

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 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.

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

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

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

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.

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

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

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 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

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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