Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive costs an estimated $306 each year, collision costs $566, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $3,096. Teens pay the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Price estimates broken down by individual coverage:

Prices include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Grand Cherokee models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $818
• Using higher $1,000 deductibles will save approximately $196 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,428
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,814
• Drivers with serious driving violations could pay up to $3,096 or more
• The price that insures a teen driver can cost as much as $5,310 or more

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Insurance prices for a Jeep Grand Cherokee are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite 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 Find the Right Jeep Grand Cherokee Insurance

Getting lower rates on Jeep Grand Cherokee insurance requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a quick rundown of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions may pay on average $1,670 more annually for Grand Cherokee insurance
• Drivers can save approximately $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers who want higher liability limits will pay approximately $440 each year to increase from a low limit to the 250/500 level