Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually with full coverage. Comprehensive costs an estimated $296 a year, collision costs $552, and liability insurance costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing around $3,086. Teenage drivers cost the most to insure at $5,324 a year or more.

Average premium for full coverage: $1,422

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $814
• Using higher $1,000 deductibles will save approximately $1,232 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,422
• Using low $100 deductibles for physical damage coverage will cost $1,798
• Drivers who are prone to accidents and violations could pay up to $3,086 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,324 or more

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $570 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,920 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy the Best Cheap Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance requires being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the data that was covered above.

• You may be able to save approximately $170 per year simply by quoting early and online
• Drivers who want more liability protection will pay an extra $460 every year to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers have the highest car insurance rates, as much as $444 each month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation pay on average $1,660 more annually than a low-risk driver