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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U.S. average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage insurance. Comprehensive insurance costs an estimated $306, collision insurance costs $566, and liability coverage is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs $3,096 or more. 16-year-old drivers pay the highest rates at up to $5,310 a year.
Average premium for full coverage: $1,428
Price estimates broken down by individual coverage:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Grand Cherokee models.
Price Range from Low to High
For a 40-year-old driver, Jeep Grand Cherokee insurance prices range from the low end price of $460 for just liability coverage to the much higher price of $3,096 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The example below illustrates how your location can change insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area, rather than using rate averages.
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.
Detailed Rate Analysis
The chart below illustrates average Jeep Grand Cherokee insurance rates for other coverage scenarios.
- The best full coverage rate is $818
- Raising to $1,000 deductibles will save approximately $196 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,428
- Buying pricier low deductibles will cost an additional $386 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,096
- The price that insures a teenage driver for full coverage can cost as much as $5,310
Car insurance prices for a Jeep Grand Cherokee are also quite variable based on the model of your Grand Cherokee, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,300 extra each year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
The state you live in 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 North Carolina, Wisconsin, and Vermont, or at least $1,930 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $590 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find More Affordable Jeep Grand Cherokee Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Comparison shop once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
Below is a summary of the data that was illustrated above.
- It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date
- Consumers who want higher levels of liability will pay around $440 annually to raise from a low limit to the 250/500 level
- Teenage drivers have the highest car insurance prices, as much as $443 a month if full coverage is purchased
- Drivers who have multiple accidents or major violations may have to pay on average $1,670 more annually 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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