Jeep Grand Cherokee Insurance Rates

The average insurance prices for a Jeep Grand Cherokee are $1,428 every 12 months for full coverage insurance. Comprehensive insurance costs on average $306, collision costs $566, and liability coverage costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $3,096 or more. Teenage drivers cost the most to insure at $5,310 a year or more.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using average rates.

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

More Rate Information

The chart below illustrates estimated Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $818
• Drivers who choose higher $1,000 deductibles will pay around $196 each year
• The average price for a good driver age 40 with $500 deductibles is $1,428
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $386 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,096 or more
• Policy cost to insure a teenage driver with full coverage may cost $5,310 a year

View Chart as Image

Insurance rates for a Jeep Grand Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Grand Cherokee.

Using high physical damage deductibles could save up to $590 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Jeep Grand Cherokee insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,930 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for Low Cost Jeep Grand Cherokee Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, being claim-free, and bundling your home and auto policies. Set aside time to shop around at least once a year by quoting rates from direct insurance companies, and also from several local insurance agents.

The following list is a review of the primary concepts that were raised in the charts and tables above.

• It is possible to save as much as $170 per year simply by shopping early and online
• Drivers who have several accidents or serious violations pay on average $1,670 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers age 16 to 20 pay the highest rates, possibly costing $443 each month if they have full coverage