Jeep Grand Cherokee Insurance Rates

Estimated insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive insurance costs an estimated $306 a year, collision costs $566, and liability insurance is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,096 or more. Teens pay the most at $5,310 a year or more.

Average premium for full coverage: $1,428

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Grand Cherokee trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $818
• Raising to $1,000 deductibles will save approximately $1,232 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,428
• Selecting low $100 deductibles will cost an extra $386 a year
• Higher-risk drivers with serious driving violations could pay up to $3,096 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,310

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Auto insurance prices for a Jeep Grand Cherokee also have a wide range based on your driving characteristics, the trim level of your Grand Cherokee, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Jeep Grand Cherokee insurance rates. A middle-age driver might find prices as low as $940 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,040 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 the Right Jeep Grand Cherokee Insurance

Finding better rates on Jeep Grand Cherokee insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

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

• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing policy deductibles can save around $575 each year
• Teenagers are the costliest to insure, as much as $443 per month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,670 more annually for car insurance