Jeep Grand Cherokee Insurance Rates

The average auto insurance rates for a Jeep Grand Cherokee are $1,428 annually with full coverage. Comprehensive insurance costs on average $306, collision insurance costs $566, and liability costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs $3,096 or more. Teens cost the most to insure at up to $5,310 a year.

Average premium for full coverage: $1,428

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Grand Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

The chart below details average Jeep Grand Cherokee insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $818
• Drivers who choose higher $1,000 deductibles will pay around $196 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,428
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $386 every year
• Higher-risk drivers with serious driving violations could pay upwards of $3,096
• Policy cost with full coverage for a teen driver for full coverage may cost $5,310 a year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $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 be charged upwards of $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 may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. Jeep Grand Cherokee insurance for high-risk drivers can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,930 on average in Florida, Michigan, and New York.

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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 Right Jeep Grand Cherokee Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, as much as $443 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,670 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay approximately $440 every year to go from a 30/60 limit to higher 250/500 limits