Jeep Grand Cherokee Car Insurance [Everything You Need to Know]

If you want to buy cheap Jeep Grand Cherokee insurance coverage then you should know that a policy will cost $118 per month ($1,414 per year) on average. Finding Jeep Grand Cherokee teenager insurance rates can cost on average $5,168 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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Key Takeaways:

  • Full coverage costs around $1,414 a year or $118 each month
  • A liability-only policy costs around $567 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,168 a year or $431 each month
  • Good drivers can save as much as $583 a year by earning policy discounts
  • Jeep Grand Cherokee insurance costs around $105 less per year than the average vehicle

You may not be aware of how much Jeep Grand Cherokee car insurance rates should cost, and that’s what might have brought you to this article.

Jeep Grand Cherokee rates cost drivers a median of $1,1414 a year, or $118 every month, which amounts to about $105 less than the average vehicle. While every insurance policy is unique to the driver, certain elements such as the safety features, crash test ratings, and age of the vehicle impact Jeep Grand Cherokee insurance rates.

Read through this guide to help you in your search for a quality policy.

You can start comparing quotes for Jeep Grand Cherokee car insurance rates from some of the best car insurance companies by using our free online tool now.

Jeep Grand Cherokee Insurance Cost

The average auto insurance rates for a Jeep Grand Cherokee cost $1,414 a year or $118 a month.

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Are Jeep Grand Cherokees Expensive to Insure?

The chart below details how Jeep Grand Cherokee insurance rates compare to other SUVs like the Lincoln Navigator, Lexus RX 350, and Volvo XC90.

Vehicle Comprehensive Collision Liability Total
Jeep Grand Cherokee $322 $562 $372 $1,414
Lincoln Navigator $356 $686 $398 $1,598
Lexus RX 350 $358 $660 $440 $1,638
Volvo XC90 $346 $600 $390 $1,494
Honda Passport $362 $656 $316 $1,470
Ford Explorer $308 $470 $372 $1,308
Mitsubishi Outlander $306 $542 $332 $1,316
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However, there are a few things you can do to find the cheapest Jeep insurance rates online.

What Impacts the Cost of Jeep Grand Cherokee Insurance?

The Jeep Grand Cherokee trim and model you choose can impact the total price you will pay for Jeep Grand Cherokee insurance coverage.

Age of the Vehicle

Older Jeep Grand Cherokee models generally cost less to insure. For example, car insurance for a 2020 Jeep Grand Cherokee costs $1,414, while 2010 Jeep Grand Cherokee insurance costs are $1,156, a difference of $258.

Model Year Comprehensive Collision Liability Total
2020 Jeep Grand Cherokee $322 $562 $372 $1,414
2019 Jeep Grand Cherokee $306 $542 $390 $1,396
2018 Jeep Grand Cherokee $294 $536 $398 $1,386
2017 Jeep Grand Cherokee $284 $524 $416 $1,382
2016 Jeep Grand Cherokee $274 $502 $430 $1,364
2015 Jeep Grand Cherokee $260 $484 $442 $1,344
2014 Jeep Grand Cherokee $250 $450 $452 $1,310
2013 Jeep Grand Cherokee $240 $424 $456 $1,278
2012 Jeep Grand Cherokee $230 $380 $460 $1,228
2011 Jeep Grand Cherokee $214 $350 $460 $1,182
2010 Jeep Grand Cherokee $206 $328 $464 $1,156
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Driver Age

Driver age can have a significant impact on Jeep Grand Cherokee auto insurance rates. For instance, a 30-year-old driver may pay $62 more each year for Jeep Grand Cherokee auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Jeep Grand Cherokee insurance rates. For example, drivers in Los Angeles may pay $1,216 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Jeep Grand Cherokee car insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Grand Cherokee car insurance rates with violations on their driving record.

Jeep Grand Cherokee Safety Ratings

The Jeep Grand Cherokee’s safety ratings will affect your Jeep Grand Cherokee auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Poor
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Jeep Grand Cherokee Crash Test Ratings

Good Jeep Grand Cherokee crash test ratings mean the VW is safer, which could mean cheaper Jeep Grand Cherokee car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Jeep Grand Cherokee Trackhawk SUV 4WD N/R N/R N/R N/R
2020 Jeep Grand Cherokee SUV 4WD 5 stars 4 stars 5 stars 4 stars
2020 Jeep Grand Cherokee SUV 2WD 4 stars 4 stars 5 stars 3 stars
2020 Jeep Grand Cherokee SRT SUV 4WD N/R N/R N/R N/R
2019 Jeep Grand Cherokee Trackhawk SUV 4WD N/R N/R N/R N/R
2019 Jeep Grand Cherokee SUV 4WD 5 stars 4 stars 5 stars 4 stars
2019 Jeep Grand Cherokee SUV 2WD 4 stars 4 stars 5 stars 3 stars
2019 Jeep Grand Cherokee SRT SUV 4WD N/R N/R N/R N/R
2018 Jeep Grand Cherokee Trackhawk SUV 4WD N/R N/R N/R N/R
2018 Jeep Grand Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2018 Jeep Grand Cherokee SUV 2WD 4 stars 4 stars 5 stars 3 stars
2018 Jeep Grand Cherokee SRT SUV 4WD N/R N/R N/R N/R
2017 Jeep Grand Cherokee SUV 4WD 5 stars 5 stars 5 stars 4 stars
2017 Jeep Grand Cherokee SUV 2WD 4 stars 5 stars 5 stars 3 stars
2017 Jeep Grand Cherokee SRT SUV 4WD N/R N/R N/R N/R
2016 Jeep Grand Cherokee SUV 4WD 5 stars 5 stars 5 stars 4 stars
2016 Jeep Grand Cherokee SUV 2WD 4 stars 5 stars 5 stars 3 stars
2016 Jeep Grand Cherokee SRT SUV 4WD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Jeep Grand Cherokee Safety Features

Having a variety of safety features on your Jeep Grand Cherokee can help lower your Jeep Grand Cherokee insurance costs. The Jeep Grand Cherokee’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor

Jeep Grand Cherokee Insurance Loss Probability

The Jeep Grand Cherokee’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Jeep Grand Cherokee, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision -19%
Property Damage 11%
Comprehensive -29%
Personal Injury -38%
Medical Payment -40%
Bodily Injury -6%
Source: Insurance Institute for Highway Safety
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Jeep Grand Cherokee Finance and Insurance Cost

If you are financing a Jeep Grand Cherokee, most lenders will require your carry higher Jeep Grand Cherokee coverage options including comprehensive coverage, so be sure to shop around and compare Jeep Grand Cherokee auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Jeep Grand Cherokee Insurance

You have more options at your disposal to save money on your Jeep Grand Cherokee car insurance costs. For example, try these five tips:

  • Pay Your Bills On Time — Especially Jeep Grand Cherokee Payments and Insurance
  • Buy Winter Tires for Your Jeep Grand Cherokee
  • Remove Young Drivers from Your Jeep Grand Cherokee Insurance When They Move Out or Go to School
  • Ask About Seasonal Insurance for Your Jeep Grand Cherokee
  • Ask for a New Jeep Grand Cherokee Auto Insurance Rate Based on Your Improved Credit Score

Top Jeep Grand Cherokee Insurance Companies

Who is the top auto insurance company for Jeep Grand Cherokee insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jeep Grand Cherokee auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jeep Grand Cherokee offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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