Jeep Grand Cherokee Insurance Rates

Estimated insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive insurance costs approximately $306, collision insurance costs $566, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs $3,096 or more. Teenage drivers pay the most at up to $5,310 a year.

Average premium for full coverage: $1,428

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Grand Cherokee trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The best discount rate is $818
• Choosing higher $1,000 deductibles can save $196 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,428
• Using more expensive low deductibles for comp and collision coverage will cost an additional $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $3,096
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,310 each year

View Chart as Image

Insurance prices for a Jeep Grand Cherokee also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Jeep Grand Cherokee insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,040 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $590 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

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 More Affordable Jeep Grand Cherokee Insurance

Finding better rates on insurance for a Jeep Grand Cherokee takes avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices at least every other year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a summary of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,670 more per year for car insurance
• Drivers can save around $170 per year just by shopping early and online
• Increasing policy deductibles can save approximately $575 each year
• Insureds who purchase higher liability limits will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to the 250/500 level