Jeep Grand Cherokee 4xe Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Jeep Grand Cherokee 4xe are $1,736 a year for full coverage. Comprehensive insurance costs on average $438 a year, collision insurance costs $930, and liability costs $258. Buying just liability costs as little as $306 a year, and insurance for high-risk drivers costs $3,782 or more. Teens cost the most to insure at up to $6,002 a year.
Average premium for full coverage: $1,736
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Grand Cherokee 4xe trim levels.
Price Range Variability
For an average driver, Jeep Grand Cherokee 4xe insurance rates range from as low as $306 for just liability coverage to a high of $3,782 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.
The examples above show why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average Jeep Grand Cherokee 4xe insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $939
- Drivers who choose higher $1,000 deductibles will pay around $1,426 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,736
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $608 annually
- Drivers with serious driving violations could pay upwards of $3,782
- Policy cost for full coverage for a 16-year-old driver may cost $6,002 a year
Insurance rates for a Jeep Grand Cherokee 4xe also range considerably based on your risk profile, the trim level of your Grand Cherokee 4xe, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $6,000 a year. View Rates by Age
Your home state makes a big difference in Jeep Grand Cherokee 4xe insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,470 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$168 | -9.7% |
| Alaska | $1,332 | -$404 | -23.3% |
| Arizona | $1,440 | -$296 | -17.1% |
| Arkansas | $1,736 | -$0 | 0.0% |
| California | $1,976 | $240 | 13.8% |
| Colorado | $1,656 | -$80 | -4.6% |
| Connecticut | $1,782 | $46 | 2.6% |
| Delaware | $1,962 | $226 | 13.0% |
| Florida | $2,166 | $430 | 24.8% |
| Georgia | $1,604 | -$132 | -7.6% |
| Hawaii | $1,246 | -$490 | -28.2% |
| Idaho | $1,174 | -$562 | -32.4% |
| Illinois | $1,294 | -$442 | -25.5% |
| Indiana | $1,308 | -$428 | -24.7% |
| Iowa | $1,172 | -$564 | -32.5% |
| Kansas | $1,648 | -$88 | -5.1% |
| Kentucky | $2,364 | $628 | 36.2% |
| Louisiana | $2,568 | $832 | 47.9% |
| Maine | $1,068 | -$668 | -38.5% |
| Maryland | $1,430 | -$306 | -17.6% |
| Massachusetts | $1,386 | -$350 | -20.2% |
| Michigan | $3,012 | $1,276 | 73.5% |
| Minnesota | $1,452 | -$284 | -16.4% |
| Mississippi | $2,078 | $342 | 19.7% |
| Missouri | $1,538 | -$198 | -11.4% |
| Montana | $1,864 | $128 | 7.4% |
| Nebraska | $1,366 | -$370 | -21.3% |
| Nevada | $2,080 | $344 | 19.8% |
| New Hampshire | $1,252 | -$484 | -27.9% |
| New Jersey | $1,938 | $202 | 11.6% |
| New Mexico | $1,536 | -$200 | -11.5% |
| New York | $1,826 | $90 | 5.2% |
| North Carolina | $998 | -$738 | -42.5% |
| North Dakota | $1,420 | -$316 | -18.2% |
| Ohio | $1,198 | -$538 | -31.0% |
| Oklahoma | $1,778 | $42 | 2.4% |
| Oregon | $1,590 | -$146 | -8.4% |
| Pennsylvania | $1,654 | -$82 | -4.7% |
| Rhode Island | $2,314 | $578 | 33.3% |
| South Carolina | $1,572 | -$164 | -9.4% |
| South Dakota | $1,464 | -$272 | -15.7% |
| Tennessee | $1,518 | -$218 | -12.6% |
| Texas | $2,088 | $352 | 20.3% |
| Utah | $1,284 | -$452 | -26.0% |
| Vermont | $1,184 | -$552 | -31.8% |
| Virginia | $1,040 | -$696 | -40.1% |
| Washington | $1,338 | -$398 | -22.9% |
| West Virginia | $1,592 | -$144 | -8.3% |
| Wisconsin | $1,200 | -$536 | -30.9% |
| Wyoming | $1,544 | -$192 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $920 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $232 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $2,100 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 135% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Grand Cherokee 4xe | $458 | $968 | $246 | $1,782 |
| 2023 Jeep Grand Cherokee 4xe | $438 | $930 | $258 | $1,736 |
| 2022 Jeep Grand Cherokee 4xe | $420 | $922 | $264 | $1,716 |
Rates are averaged for all Jeep Grand Cherokee 4xe 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 Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates every year by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The following items are a brief recap of the coverage data covered in the above illustrations.
- Drivers can save as much as $230 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $925 each year
- 16 to 18-year-old drivers pay the highest rates, costing up to $500 each month for full coverage
- Drivers considered higher risk who tend to receive serious violations will pay on average $2,050 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,002 |
| 20 | $4,032 |
| 30 | $1,850 |
| 40 | $1,736 |
| 50 | $1,578 |
| 60 | $1,552 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,344 |
| $250 | $2,060 |
| $500 | $1,736 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,736 |
| 50/100 | $1,788 |
| 100/300 | $1,852 |
| 250/500 | $2,020 |
| 100 CSL | $1,813 |
| 300 CSL | $1,955 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,702 |
| 20 | $6,426 |
| 30 | $3,910 |
| 40 | $3,782 |
| 50 | $3,604 |
| 60 | $3,574 |
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 | $98 |
| Multi-vehicle | $90 |
| Homeowner | $21 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $117 |
| Paid in Full/EFT | $95 |
| Advance Quote | $96 |
| Online Quote | $130 |
| Total Discounts | $797 |
Discounts are estimated and may not be available from every company or in every state.
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