Jeep Grand Cherokee Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Jeep Grand Cherokee are $1,438 every 12 months for full coverage insurance. Comprehensive costs approximately $320 each year, collision insurance costs $570, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $3,108. Teens pay the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,438
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Grand Cherokee models.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Grand Cherokee insurance prices range from the cheapest price of $452 for the bare minimum liability coverage to a high rate of $3,108 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own driving history, 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.
Additional Rate Information
The chart below illustrates average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $825
- Raising to $1,000 deductibles will save $202 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,438
- Selecting low deductibles increases the price to $1,832
- Drivers with serious driving violations could pay around $3,108
- The price to insure a 16-year-old driver can cost $5,306
Insurance prices for a Jeep Grand Cherokee are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Grand Cherokee.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Jeep Grand Cherokee insurance prices. A middle-age driver might find prices as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,940 on average in Florida, 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% |
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
Getting lower rates on insurance for a Jeep Grand Cherokee consists of being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a quick review of the material that was raised in the charts and tables above.
- Insureds who purchase higher levels of liability will pay approximately $430 annually to raise from a low limit to a 250/500 level
- Teenage drivers are the costliest to insure, as much as $442 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,670 more per year for auto insurance
- Increasing physical damage deductibles could save as much as $600 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
