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 each year, collision insurance costs $930, and liability costs around $258. Liability-only insurance costs as low as $306 a year, and high-risk driver insurance costs $3,782 or more. Teen drivers 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:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Grand Cherokee 4xe models.
Price Range Variability
For a driver in their 40's, Jeep Grand Cherokee 4xe insurance rates range from as low as $306 for minimum levels of liability insurance to a high rate of $3,782 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.
The examples above show why all drivers should compare prices based on a specific location and risk profile, 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.
Additional Rate Details
The chart below shows average Jeep Grand Cherokee 4xe insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $939
- Using higher $1,000 deductibles will save around $310 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,736
- Choosing low deductibles for physical damage coverage will cost an extra $608 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,782
- Policy cost for full coverage for a 16-year-old driver may cost $6,002 or more
Auto 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.
More mature drivers with a good driving record and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $6,000 a year. View Rates by Age
Your home state has a huge impact on Jeep Grand Cherokee 4xe insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like Idaho, Maine, and Iowa, or as much as $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 high deductibles could cut rates by as much as $920 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $232 extra every 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 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than average. 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 Cheaper Jeep Grand Cherokee 4xe Insurance
Finding cheaper rates on insurance for a Jeep Grand Cherokee 4xe requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
Below is a condensed summary of the coverage data covered in the charts and tables above.
- Drivers can save as much as $230 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $925 each year
- Teenage drivers are charged the highest rates, costing up to $500 each month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents will pay on average $2,050 more each year for auto insurance
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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