Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive costs on average $306, collision costs $566, and liability coverage costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing around $3,096. Teens pay the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Grand Cherokee models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $818
• Using higher $1,000 deductibles will save around $196 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,428
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,814
• Higher-risk drivers with serious driving violations could pay upwards of $3,096 or more
• The price for full coverage for a teenage driver for full coverage may cost $5,310 or more

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

A more mature driver with a clean driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,040 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can be around 43% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so the 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 More Affordable Jeep Grand Cherokee Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following items are a summary of the data presented in the illustrations above.

• Consumers who require additional liability coverage will pay approximately $440 each year to increase from a low limit to 250/500 limits
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $575 each year
• 16 to 18-year-old drivers pay the highest prices, with premiums as much as $443 a month for full coverage