Jeep Grand Cherokee Insurance Rates
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UPDATED: Apr 7, 2024
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Estimated insurance prices for a Jeep Grand Cherokee are $1,438 every 12 months including full coverage. Comprehensive costs approximately $320, collision costs $570, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $3,108. 16-year-old drivers pay the most at $5,306 a year or more.
Average premium for full coverage: $1,438
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Grand Cherokee models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jeep Grand Cherokee go from the cheapest price of $452 for just the minimum liability insurance to the much higher price of $3,108 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate 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.
Additional Rate Analysis
The chart below breaks down estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $825
- Raising to $1,000 deductibles will save $202 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,438
- Buying pricier low deductibles increases the price to $1,832
- Drivers with multiple tickets or accidents could pay around $3,108 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost $5,306
Insurance prices for a Jeep Grand Cherokee also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Grand Cherokee.
Opting for high physical damage deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find prices as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,050 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$138 | -9.6% |
| Alaska | $1,104 | -$334 | -23.2% |
| Arizona | $1,196 | -$242 | -16.8% |
| Arkansas | $1,438 | -$0 | 0.0% |
| California | $1,638 | $200 | 13.9% |
| Colorado | $1,376 | -$62 | -4.3% |
| Connecticut | $1,478 | $40 | 2.8% |
| Delaware | $1,630 | $192 | 13.4% |
| Florida | $1,802 | $364 | 25.3% |
| Georgia | $1,330 | -$108 | -7.5% |
| Hawaii | $1,034 | -$404 | -28.1% |
| Idaho | $972 | -$466 | -32.4% |
| Illinois | $1,072 | -$366 | -25.5% |
| Indiana | $1,084 | -$354 | -24.6% |
| Iowa | $972 | -$466 | -32.4% |
| Kansas | $1,368 | -$70 | -4.9% |
| Kentucky | $1,962 | $524 | 36.4% |
| Louisiana | $2,132 | $694 | 48.3% |
| Maine | $888 | -$550 | -38.2% |
| Maryland | $1,188 | -$250 | -17.4% |
| Massachusetts | $1,152 | -$286 | -19.9% |
| Michigan | $2,502 | $1,064 | 74.0% |
| Minnesota | $1,204 | -$234 | -16.3% |
| Mississippi | $1,722 | $284 | 19.7% |
| Missouri | $1,276 | -$162 | -11.3% |
| Montana | $1,546 | $108 | 7.5% |
| Nebraska | $1,136 | -$302 | -21.0% |
| Nevada | $1,726 | $288 | 20.0% |
| New Hampshire | $1,036 | -$402 | -28.0% |
| New Jersey | $1,610 | $172 | 12.0% |
| New Mexico | $1,276 | -$162 | -11.3% |
| New York | $1,516 | $78 | 5.4% |
| North Carolina | $828 | -$610 | -42.4% |
| North Dakota | $1,180 | -$258 | -17.9% |
| Ohio | $994 | -$444 | -30.9% |
| Oklahoma | $1,478 | $40 | 2.8% |
| Oregon | $1,318 | -$120 | -8.3% |
| Pennsylvania | $1,372 | -$66 | -4.6% |
| Rhode Island | $1,920 | $482 | 33.5% |
| South Carolina | $1,306 | -$132 | -9.2% |
| South Dakota | $1,214 | -$224 | -15.6% |
| Tennessee | $1,262 | -$176 | -12.2% |
| Texas | $1,736 | $298 | 20.7% |
| Utah | $1,064 | -$374 | -26.0% |
| Vermont | $984 | -$454 | -31.6% |
| Virginia | $862 | -$576 | -40.1% |
| Washington | $1,110 | -$328 | -22.8% |
| West Virginia | $1,320 | -$118 | -8.2% |
| Wisconsin | $998 | -$440 | -30.6% |
| Wyoming | $1,282 | -$156 | -10.8% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Grand Cherokee Laredo 2WD | $1,310 | $109 |
| Jeep Grand Cherokee Laredo 4WD | $1,310 | $109 |
| Jeep Grand Cherokee Limited 2WD | $1,438 | $120 |
| Jeep Grand Cherokee Limited 4WD | $1,438 | $120 |
| Jeep Grand Cherokee SRT-8 4WD | $1,480 | $123 |
| Jeep Grand Cherokee | $1,486 | $124 |
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 | $336 | $594 | $372 | $1,460 |
| 2023 Jeep Grand Cherokee | $320 | $570 | $390 | $1,438 |
| 2022 Jeep Grand Cherokee | $306 | $566 | $398 | $1,428 |
| 2021 Jeep Grand Cherokee | $296 | $552 | $416 | $1,422 |
| 2019 Jeep Grand Cherokee | $270 | $512 | $442 | $1,382 |
| 2017 Jeep Grand Cherokee | $250 | $446 | $456 | $1,310 |
| 2016 Jeep Grand Cherokee | $240 | $400 | $460 | $1,258 |
| 2015 Jeep Grand Cherokee | $224 | $368 | $460 | $1,210 |
| 2014 Jeep Grand Cherokee | $216 | $346 | $464 | $1,184 |
| 2013 Jeep Grand Cherokee | $210 | $322 | $474 | $1,164 |
| 2011 Jeep Grand Cherokee | $190 | $272 | $478 | $1,098 |
| 2010 Jeep Grand Cherokee | $176 | $248 | $474 | $1,056 |
| 2009 Jeep Grand Cherokee | $166 | $226 | $474 | $1,024 |
| 2008 Jeep Grand Cherokee | $162 | $202 | $468 | $990 |
| 2007 Jeep Grand Cherokee | $158 | $198 | $460 | $974 |
| 2006 Jeep Grand Cherokee | $156 | $188 | $452 | $954 |
| 2005 Jeep Grand Cherokee | $142 | $180 | $446 | $926 |
| 2004 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 Shop for the Best Cheap Jeep Grand Cherokee Insurance
Finding better rates on insurance for a Jeep Grand Cherokee consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The points below are a quick review of the coverage data raised in the charts and tables above.
- You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $600 each year
- Drivers under the age of 20 are expensive to insure, with the cost nearing $442 per month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,670 more per year to insure a Jeep Grand Cherokee
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,314 |
| 30 | $1,504 |
| 40 | $1,438 |
| 50 | $1,314 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,650 |
| $500 | $1,438 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,438 |
| 50/100 | $1,552 |
| 100/300 | $1,635 |
| 250/500 | $1,851 |
| 100 CSL | $1,586 |
| 300 CSL | $1,768 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,578 |
| 20 | $5,272 |
| 30 | $3,180 |
| 40 | $3,108 |
| 50 | $2,964 |
| 60 | $2,938 |
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 | $77 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $613 |
Discounts are estimated and may not be available from every company or in every state.
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