Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive insurance costs an estimated $296 a year, collision insurance costs $552, and liability coverage costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs $3,086 or more. 16-year-old drivers cost the most to insure at up to $5,324 a year.

Average premium for full coverage: $1,422

Policy rates broken down by type of insurance:

Includes $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how where you live affects insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $814
• Drivers who choose higher $1,000 deductibles will pay approximately $1,232 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,422
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $376 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,086
• Policy cost that insures a teenage driver can cost as much as $5,324 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on the trim level of your Grand Cherokee, your age and driving habits, and liability limits and deductibles.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,920 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $570 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more per 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 the Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct companies, and also from insurance agencies where you live.

The following is a recap of the material that was touched on in the above illustrations.

• Consumers who want higher liability limits will pay around $460 every year to go from a 30/60 limit to the 250/500 level
• Teens are charged the highest rates, as much as $444 each month if full coverage is included
• Drivers that have major violations or accidents could be forced to pay on average $1,660 more annually for Grand Cherokee insurance
• Increasing comprehensive and collision deductibles can save approximately $575 each year