Jeep Grand Cherokee Insurance Rates

The average insurance rates for a Jeep Grand Cherokee are $1,438 a year with full coverage. Comprehensive insurance costs around $320, collision costs $570, and liability costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing $3,108 or more. 16-year-old drivers cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,438

Policy rates for type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Grand Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below details estimated Jeep Grand Cherokee insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $825
• Drivers who choose higher $1,000 deductibles will pay about $202 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,438
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $394 annually
• Drivers with multiple tickets or accidents could pay at least $3,108 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,306 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Grand Cherokee insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 Cheaper Jeep Grand Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Grand Cherokee not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the car insurance concepts covered above.

• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,670 more every year for auto insurance
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $600 each year
• Insureds who may need higher levels of liability will pay around $430 every year to go from a 30/60 limit to 250/500 limits