Jeep Grand Cherokee Insurance Rates

Average insurance rates for a Jeep Grand Cherokee are $1,428 a year for full coverage. Comprehensive costs approximately $306, collision costs $566, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $3,096. Teenage drivers receive the highest rates at $5,310 a year or more.

Average premium for full coverage: $1,428

Rate estimates by individual coverage type:

Prices include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Grand Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples show why everyone should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $818
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,428
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,814
• Drivers who are prone to accidents and violations could pay around $3,096 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost $5,310 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee can also vary considerably based on your driver profile, the trim level of your Grand Cherokee, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver 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 could save up to $590 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates can be significantly 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 the Right Jeep Grand Cherokee Insurance

Saving money on insurance for a Jeep Grand Cherokee not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a quick rundown of the primary concepts that were raised in the charts and tables above.

• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,670 more per year for Grand Cherokee insurance
• Increasing deductibles can save around $575 each year
• Teens are expensive to insure, costing as high as $443 per month for full coverage