Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage. Comprehensive costs an estimated $306 each year, collision costs $566, and liability insurance is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing around $3,096. Teen drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

The examples above show why all drivers should get quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $818
• Choosing higher $1,000 deductibles can save approximately $196 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,428
• Choosing low deductibles for comp and collision coverage increases the price to $1,814
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,096 or more
• Policy cost to insure a teen driver can cost as much as $5,310 each year

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $590 each year, whereas increasing liability limits will increase premiums. Going 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

More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $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 could be paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than average. 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 $940 a year in states like Iowa, Maine, and Idaho, or as much as $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes 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 Cheaper Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The following list is a condensed summary of the information covered in the charts and tables above.

• Drivers can save approximately $170 per year simply by quoting online in advance
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $443 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• High-risk drivers with multiple at-fault accidents pay on average $1,670 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay about $440 each year to raise limits from a 30/60 limit to a 250/500 level