Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,438 every 12 months for full coverage insurance. Comprehensive costs around $320, collision costs $570, and liability insurance costs around $390. A liability-only policy costs as low as $452 a year, with high-risk insurance costing around $3,108. Teens cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,438

Policy rates for type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

More Rate Information

The chart below illustrates estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $825
• Using higher $1,000 deductibles will save about $202 each year
• The average price for a good driver age 40 using $500 deductibles is $1,438
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,832
• Drivers with serious driving violations could pay at least $3,108 or more
• Policy cost to insure a teen driver with full coverage can be $5,306 or more

View Chart as Image

Car insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,940 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied.

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 Shop for the Cheapest Jeep Grand Cherokee Insurance

Finding cheaper rates on Jeep Grand Cherokee insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a recap of the coverage data touched on in this article.

• It is possible to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $442 each month if the policy includes full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,670 more every year than a driver with a clean driving record