Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months with full coverage. Comprehensive insurance costs around $306, collision insurance costs $566, and liability coverage is estimated at $398. A liability-only policy costs approximately $460 a year, and high-risk insurance costs $3,096 or more. Teens cost the most to insure at up to $5,310 a year.
Average premium for full coverage: $1,428
Policy rates for type of insurance:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Grand Cherokee models.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Grand Cherokee insurance rates range from the cheapest price of $460 for just liability insurance to the much higher price of $3,096 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than using averaged prices.
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.
More Rate Details
The chart below details average Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $818
- Choosing higher $1,000 deductibles can save about $196 annually
- The average price for a good driver age 40 using $500 deductibles is $1,428
- Selecting pricier low deductibles for comp and collision coverage costs an extra $386 each year
- Drivers with serious driving violations could pay at least $3,096
- Policy cost to insure a teenage driver for full coverage can be $5,310 each year
Car insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $590 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $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 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 around 43% to 133% more than the average policy. View High Risk Driver Rates
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 have to pay at least $1,930 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$134 | -9.4% |
| Alaska | $1,098 | -$330 | -23.1% |
| Arizona | $1,186 | -$242 | -16.9% |
| Arkansas | $1,428 | -$0 | 0.0% |
| California | $1,630 | $202 | 14.1% |
| Colorado | $1,364 | -$64 | -4.5% |
| Connecticut | $1,472 | $44 | 3.1% |
| Delaware | $1,616 | $188 | 13.2% |
| Florida | $1,790 | $362 | 25.4% |
| Georgia | $1,322 | -$106 | -7.4% |
| Hawaii | $1,026 | -$402 | -28.2% |
| Idaho | $968 | -$460 | -32.2% |
| Illinois | $1,066 | -$362 | -25.4% |
| Indiana | $1,078 | -$350 | -24.5% |
| Iowa | $966 | -$462 | -32.4% |
| Kansas | $1,360 | -$68 | -4.8% |
| Kentucky | $1,950 | $522 | 36.6% |
| Louisiana | $2,116 | $688 | 48.2% |
| Maine | $884 | -$544 | -38.1% |
| Maryland | $1,180 | -$248 | -17.4% |
| Massachusetts | $1,144 | -$284 | -19.9% |
| Michigan | $2,484 | $1,056 | 73.9% |
| Minnesota | $1,196 | -$232 | -16.2% |
| Mississippi | $1,714 | $286 | 20.0% |
| Missouri | $1,268 | -$160 | -11.2% |
| Montana | $1,536 | $108 | 7.6% |
| Nebraska | $1,128 | -$300 | -21.0% |
| Nevada | $1,716 | $288 | 20.2% |
| New Hampshire | $1,032 | -$396 | -27.7% |
| New Jersey | $1,598 | $170 | 11.9% |
| New Mexico | $1,268 | -$160 | -11.2% |
| New York | $1,506 | $78 | 5.5% |
| North Carolina | $824 | -$604 | -42.3% |
| North Dakota | $1,172 | -$256 | -17.9% |
| Ohio | $988 | -$440 | -30.8% |
| Oklahoma | $1,470 | $42 | 2.9% |
| Oregon | $1,310 | -$118 | -8.3% |
| Pennsylvania | $1,364 | -$64 | -4.5% |
| Rhode Island | $1,908 | $480 | 33.6% |
| South Carolina | $1,296 | -$132 | -9.2% |
| South Dakota | $1,206 | -$222 | -15.5% |
| Tennessee | $1,252 | -$176 | -12.3% |
| Texas | $1,724 | $296 | 20.7% |
| Utah | $1,058 | -$370 | -25.9% |
| Vermont | $980 | -$448 | -31.4% |
| Virginia | $856 | -$572 | -40.1% |
| Washington | $1,106 | -$322 | -22.5% |
| West Virginia | $1,312 | -$116 | -8.1% |
| Wisconsin | $990 | -$438 | -30.7% |
| Wyoming | $1,274 | -$154 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,304 | $109 |
| Jeep Grand Cherokee Laredo 4WD | $1,304 | $109 |
| Jeep Grand Cherokee Limited 2WD | $1,428 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,428 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,472 | $123 |
| Jeep Grand Cherokee | $1,474 | $123 |
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 | $320 | $570 | $390 | $1,438 |
| 2023 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2022 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2021 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2019 Jeep Grand Cherokee | $260 | $474 | $452 | $1,344 |
| 2017 Jeep Grand Cherokee | $240 | $400 | $460 | $1,258 |
| 2016 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2015 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2014 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2013 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2011 Jeep Grand Cherokee | $176 | $248 | $474 | $1,056 |
| 2010 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2009 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2008 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2007 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2006 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2005 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 Shop for the Right Jeep Grand Cherokee Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every year by getting rate quotes from direct companies, and also from several local insurance agents.
Below is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Teenage drivers are the costliest to insure, as much as $443 each month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions pay on average $1,670 more every year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,310 |
| 20 | $3,306 |
| 30 | $1,496 |
| 40 | $1,428 |
| 50 | $1,306 |
| 60 | $1,282 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,814 |
| $250 | $1,636 |
| $500 | $1,428 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,428 |
| 50/100 | $1,542 |
| 100/300 | $1,626 |
| 250/500 | $1,846 |
| 100 CSL | $1,575 |
| 300 CSL | $1,761 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,582 |
| 20 | $5,258 |
| 30 | $3,168 |
| 40 | $3,096 |
| 50 | $2,956 |
| 60 | $2,930 |
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 | $107 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $102 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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