Jeep Grand Cherokee Insurance Rates

Average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually for full coverage. Comprehensive costs approximately $296, collision costs $552, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,086. Teen drivers receive the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Grand Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $814
• Drivers who choose higher $1,000 deductibles will pay $190 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,422
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,798
• High risk drivers with multiple violations and an at-fault accident could pay around $3,086 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,324 a year

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Insurance rates for a Jeep Grand Cherokee can also vary considerably based on the trim level of your Grand Cherokee, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $570 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,030 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different between companies.

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 Buy Low Cost Jeep Grand Cherokee Insurance

Saving money on Jeep Grand Cherokee insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The list below is a review of the data covered above.

• Drivers who purchase higher liability limits will pay about $460 each year to go from a minimum limit to higher 250/500 limits
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $575 each year
• Teenagers are expensive to insure, costing as high as $444 per month including comprehensive and collision insurance