Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually including full coverage. Comprehensive costs an estimated $306 each year, collision costs $566, and liability coverage costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing around $3,096. Teenage drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates broken down by type of insurance:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Jeep Grand Cherokee insurance rates for other coverage scenarios.

• The best discount rate is $818
• Drivers who choose higher $1,000 deductibles will pay approximately $196 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,428
• Using low deductibles for comprehensive and collision insurance will cost $1,814
• High-risk insureds who are prone to accidents and violations could pay up to $3,096 or more
• Policy cost with full coverage for a teenage driver can cost as much as $5,310 a year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,040 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy the Best Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the primary concepts that were illustrated above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Drivers who tend to receive serious violations could be forced to pay on average $1,670 more annually to buy Jeep Grand Cherokee insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $443 each month if full coverage is included