Jeep Grand Cherokee Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Jeep Grand Cherokee are $1,438 annually with full coverage. Comprehensive insurance costs approximately $320 a year, collision insurance costs $570, and liability coverage costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs $3,108 or more. Teen drivers receive the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,438
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Grand Cherokee trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $452 for just liability coverage to a high of $3,108 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.
These examples demonstrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using price averages.
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.
Detailed Rate Analysis
The chart below details average Jeep Grand Cherokee insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $825
- Using higher $1,000 deductibles will save $1,236 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,438
- Choosing low $100 deductibles for physical damage coverage costs an additional $394 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,108
- The cost with full coverage for a teenage driver can cost $5,306 or more
Car insurance rates for a Jeep Grand Cherokee can also vary considerably based on the trim level of your Grand Cherokee, your driving record, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $600 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Jeep Grand Cherokee insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.
| 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 Buy Low Cost Jeep Grand Cherokee Insurance
Saving money on auto insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates once a year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a review of the data that was touched on in this article.
- You may be able to save around $170 per year just by quoting early and online
- Consumers who purchase higher levels of liability will pay about $430 every year to increase from a minimum limit to higher 250/500 limits
- Teenage drivers pay the highest auto insurance rates, with premiums as much as $442 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $1,670 more per year for auto insurance
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.
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