Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive insurance costs around $296, collision costs $552, and liability insurance costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing $3,086 or more. Teen drivers pay the highest rates at $5,324 a year or more.

Average premium for full coverage: $1,422

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Grand Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $814
• Drivers who choose higher $1,000 deductibles will pay about $190 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,422
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $376 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,086 or more
• The price for full coverage for a teen driver with full coverage can be $5,324 a year

View Chart as Image

Auto insurance prices for a Jeep Grand Cherokee are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,920 on average in Florida, Michigan, and New York.

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Choosing high deductibles could save up to $570 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, and quoted prices may be quite different 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 Affordable Jeep Grand Cherokee Insurance

Getting lower rates on Jeep Grand Cherokee insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,660 more every year to insure their Grand Cherokee
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $575 each year
• Drivers who may need more liability coverage will pay about $460 every year to go from a low limit to 250/500 limits