Jeep Grand Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Grand Cherokee are $1,438 a year for full coverage. Comprehensive insurance costs approximately $320 each year, collision costs $570, and liability insurance costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $3,108 or more. Teens pay the highest rates at $5,306 a year or more.

Average premium for full coverage: $1,438

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Grand Cherokee models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $825
• Using higher $1,000 deductibles will save $202 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,438
• Selecting low deductibles for physical damage coverage will cost an additional $394 a year
• Drivers with serious driving violations could pay around $3,108 or more
• The price that insures a teen driver can cost $5,306 or more

View Chart as Image

Auto insurance prices for a Jeep Grand Cherokee are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, and quoted prices may be quite different.

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 Find the Best Cheap Jeep Grand Cherokee Insurance

Getting lower rates on Jeep Grand Cherokee insurance requires being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare rates at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a quick review of the concepts that were presented in the illustrations above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,670 more per year to insure their Grand Cherokee
• Teen drivers have the highest car insurance prices, with premiums as much as $442 a month if the policy includes full coverage
• Drivers can save around $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers can save around $170 per year simply by quoting online in advance