Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year for full coverage. Comprehensive insurance costs on average $296, collision costs $552, and liability coverage is estimated at $416. Buying just liability costs approximately $474 a year, with insurance for high-risk drivers costing $3,086 or more. Teenage drivers cost the most to insure at $5,324 a year or more.

Average premium for full coverage: $1,422

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above show why everyone should get quotes based on a specific location and risk profile, rather than using average rates.

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

More Rate Information

The chart below shows estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $814
• Choosing higher $1,000 deductibles can save around $190 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,422
• Using pricier low deductibles for comp and collision coverage will cost an extra $376 each year
• Drivers who are prone to accidents and violations could pay upwards of $3,086 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,324 each year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on your risk profile, the trim level of your Grand Cherokee, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $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 $940 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,030 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $570 a year, whereas buying more liability protection will cost you more. Going 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 could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The points below are a recap of the data raised in the charts and tables above.

• Consumers who require increased liability limits will pay an extra $460 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers under the age of 20 pay the highest rates, costing up to $444 each month for full coverage