Jeep Grand Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Grand Cherokee are $1,422 a year with full coverage. Comprehensive costs on average $296, collision insurance costs $552, and liability costs around $416. Liability-only coverage costs as low as $474 a year, and high-risk coverage costs around $3,086. Teen drivers pay the highest rates at up to $5,324 a year.
Average premium for full coverage: $1,422
Price estimates by individual coverage:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Grand Cherokee trim levels.
Price Range from Low to High
For the normal driver, Jeep Grand Cherokee insurance prices range from the low end price of $474 for a discount liability-only rate to a much higher rate of $3,086 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details average Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $814
- Using higher $1,000 deductibles will save around $190 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,422
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,798
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,086
- The price that insures a 16-year-old driver with full coverage may cost $5,324 or more
Auto insurance prices for a Jeep Grand Cherokee are also quite variable based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be from 43% to 133% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have 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 prices. A driver around age 40 might see prices as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,920 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$134 | -9.4% |
| Alaska | $1,094 | -$328 | -23.1% |
| Arizona | $1,182 | -$240 | -16.9% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,360 | -$62 | -4.4% |
| Connecticut | $1,464 | $42 | 3.0% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,780 | $358 | 25.2% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $962 | -$460 | -32.3% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,072 | -$350 | -24.6% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,354 | -$68 | -4.8% |
| Kentucky | $1,942 | $520 | 36.6% |
| Louisiana | $2,106 | $684 | 48.1% |
| Maine | $876 | -$546 | -38.4% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,138 | -$284 | -20.0% |
| Michigan | $2,472 | $1,050 | 73.8% |
| Minnesota | $1,190 | -$232 | -16.3% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,264 | -$158 | -11.1% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,124 | -$298 | -21.0% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,026 | -$396 | -27.8% |
| New Jersey | $1,592 | $170 | 12.0% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,500 | $78 | 5.5% |
| North Carolina | $820 | -$602 | -42.3% |
| North Dakota | $1,164 | -$258 | -18.1% |
| Ohio | $984 | -$438 | -30.8% |
| Oklahoma | $1,460 | $38 | 2.7% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,356 | -$66 | -4.6% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,248 | -$174 | -12.2% |
| Texas | $1,716 | $294 | 20.7% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $974 | -$448 | -31.5% |
| Virginia | $854 | -$568 | -39.9% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,304 | -$118 | -8.3% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Choosing high deductibles could cut prices by as much as $570 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,300 | $108 |
| Jeep Grand Cherokee Laredo 4WD | $1,300 | $108 |
| Jeep Grand Cherokee Limited 2WD | $1,422 | $119 |
| Jeep Grand Cherokee Limited 4WD | $1,422 | $119 |
| Jeep Grand Cherokee SRT-8 4WD | $1,464 | $122 |
| Jeep Grand Cherokee | $1,462 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2023 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2022 Jeep Grand Cherokee | $286 | $530 | $430 | $1,404 |
| 2021 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2019 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2017 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2016 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2015 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2014 Jeep Grand Cherokee | $194 | $300 | $474 | $1,126 |
| 2013 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2011 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2010 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2009 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2008 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2007 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2006 Jeep Grand Cherokee | $138 | $170 | $442 | $908 |
Rates are averaged for all Jeep Grand Cherokee models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Jeep Grand Cherokee Insurance
Getting lower rates on insurance for a Jeep Grand Cherokee requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least every other year by getting quotes from direct companies, and also from several local insurance agents.
The following is a quick review of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,660 more each year for Grand Cherokee insurance
- You may be able to save as much as $170 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $575 each year
- Insureds who require higher liability limits will pay about $460 every year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,324 |
| 20 | $3,294 |
| 30 | $1,484 |
| 40 | $1,422 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,624 |
| $500 | $1,422 |
| $1,000 | $1,232 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,533 |
| 100/300 | $1,621 |
| 250/500 | $1,851 |
| 100 CSL | $1,568 |
| 300 CSL | $1,763 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,598 |
| 20 | $5,246 |
| 30 | $3,154 |
| 40 | $3,086 |
| 50 | $2,946 |
| 60 | $2,920 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $76 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $608 |
Discounts are estimated and may not be available from every company or in every state.
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