Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,422 every 12 months including full coverage. Comprehensive insurance costs approximately $296, collision costs $552, and liability insurance is $416. Liability-only coverage costs around $474 a year, with high-risk coverage 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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $814
• Raising to $1,000 deductibles will save $190 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,422
• Using more expensive low deductibles costs an extra $376 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,086 or more
• Policy cost to insure a teen driver with full coverage can cost $5,324

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Grand Cherokee.

Using high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find rates as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,030 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Shop for the Best Cheap Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick review of the coverage data raised in the charts and tables above.

• You may be able to save around $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teenagers are the costliest to insure, with premiums being up to $444 each month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,660 more per year for car insurance