Jeep Grand Cherokee Insurance Rates

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

Average premium for full coverage: $1,422

Policy rates for type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below illustrates estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $814
• Drivers who choose higher $1,000 deductibles will pay about $190 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,422
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,798
• High-risk insureds with serious driving violations could pay at least $3,086 or more
• Policy cost for full coverage for a teenage driver can be $5,324 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,920 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas increasing liability limits will increase rates. Switching 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 are probably paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every company calculates rates differently, 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 Best Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers who tend to receive serious violations may pay on average $1,660 more every year for Grand Cherokee insurance
• It is possible to save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Consumers who may need higher liability limits will pay approximately $460 annually to go from a 30/60 limit to 250/500 limits