Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,422 annually with full coverage. Comprehensive costs approximately $296, collision insurance costs $552, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs around $3,086. Teen drivers cost the most to insure at up to $5,324 a year.

Average premium for full coverage: $1,422

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $814
• Using higher $1,000 deductibles will save $190 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,422
• Choosing more expensive low deductibles for physical damage coverage will cost $1,798
• Drivers with multiple violations and an at-fault accident could pay around $3,086
• Policy cost with full coverage for a teen driver with full coverage can cost $5,324 or more

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $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 anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $570 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

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 Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit history, not filing small claims, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the data that was touched on above.

• You may be able to save around $170 per year just by shopping early and online
• Policyholders who purchase more liability coverage will pay about $460 every year to increase from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, as much as $444 each month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents may pay on average $1,660 more per year to insure their Grand Cherokee