Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive costs around $296, collision insurance costs $552, and liability insurance is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs around $3,086. Teen drivers cost the most to insure at up to $5,324 a year.
Average premium for full coverage: $1,422
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Grand Cherokee models.
Price Range Variability
For a driver in their 40's, Jeep Grand Cherokee insurance rates range from as low as $474 for a discount liability-only rate to the much higher price of $3,086 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why everyone should get quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below details average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $814
- Choosing higher $1,000 deductibles can save about $190 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,422
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,798
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,086
- Policy cost for full coverage for a teen driver for full coverage can be $5,324 each year
Insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Jeep Grand Cherokee insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,920 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$134 | -9.4% |
| Alaska | $1,094 | -$328 | -23.1% |
| Arizona | $1,182 | -$240 | -16.9% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,360 | -$62 | -4.4% |
| Connecticut | $1,464 | $42 | 3.0% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,780 | $358 | 25.2% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $962 | -$460 | -32.3% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,072 | -$350 | -24.6% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,354 | -$68 | -4.8% |
| Kentucky | $1,942 | $520 | 36.6% |
| Louisiana | $2,106 | $684 | 48.1% |
| Maine | $876 | -$546 | -38.4% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,138 | -$284 | -20.0% |
| Michigan | $2,472 | $1,050 | 73.8% |
| Minnesota | $1,190 | -$232 | -16.3% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,264 | -$158 | -11.1% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,124 | -$298 | -21.0% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,026 | -$396 | -27.8% |
| New Jersey | $1,592 | $170 | 12.0% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,500 | $78 | 5.5% |
| North Carolina | $820 | -$602 | -42.3% |
| North Dakota | $1,164 | -$258 | -18.1% |
| Ohio | $984 | -$438 | -30.8% |
| Oklahoma | $1,460 | $38 | 2.7% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,356 | -$66 | -4.6% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,248 | -$174 | -12.2% |
| Texas | $1,716 | $294 | 20.7% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $974 | -$448 | -31.5% |
| Virginia | $854 | -$568 | -39.9% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,304 | -$118 | -8.3% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Choosing high deductibles can save as much as $570 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers ranges anywhere from 43% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,300 | $108 |
| Jeep Grand Cherokee Laredo 4WD | $1,300 | $108 |
| Jeep Grand Cherokee Limited 2WD | $1,422 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,422 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,464 | $122 |
| Jeep Grand Cherokee | $1,462 | $122 |
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 | $306 | $566 | $398 | $1,428 |
| 2023 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2022 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2021 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2019 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2017 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2016 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2015 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2014 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2013 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2011 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2010 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2009 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2008 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2007 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2006 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 Find Cheaper Jeep Grand Cherokee Insurance
Finding cheaper rates on Jeep Grand Cherokee insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a condensed summary of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 pay higher rates, as much as $444 each month for full coverage
- High-risk drivers with multiple at-fault accidents pay an average of $1,660 more every year to insure a Jeep Grand Cherokee
- Increasing comprehensive and collision deductibles can save around $575 each year
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,324 |
| 20 | $3,294 |
| 30 | $1,484 |
| 40 | $1,422 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,624 |
| $500 | $1,422 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,533 |
| 100/300 | $1,621 |
| 250/500 | $1,851 |
| 100 CSL | $1,568 |
| 300 CSL | $1,763 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,598 |
| 20 | $5,246 |
| 30 | $3,154 |
| 40 | $3,086 |
| 50 | $2,946 |
| 60 | $2,920 |
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 | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $608 |
Discounts are estimated and may not be available from every company or in every state.
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