Jeep Grand Cherokee Car Insurance Cost 2025
The average cost to insure a Jeep Grand Cherokee is around $1,450 annually. However, the actual price may differ depending on factors like your age, the vehicle’s model year, and other details. Check our quote tables below to get a personalized estimate.
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If you’re thinking about buying a Jeep Grand Cherokee, you’ll need to factor in the cost of insurance. Insurance is a significant aspect of owning a car, and it’s important to understand it before making a decision. On average, insurance for a Jeep Grand Cherokee cost $1,450 per year.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to have sufficient coverage in case of an accident to avoid hefty out-of-pocket costs. Additionally, if you’re found at fault in an accident, your premiums could increase.
Having analyzed car insurance rates for over ten years, I’ve observed how much these costs can vary. Factors such as your age, driving history, and location can significantly impact your insurance premiums.
How Much Does A Jeep Grand Cherokee Car Insurance Cost?
On average, Jeep Grand Cherokee owners can expect to pay around $1,450 per year for car insurance.
The cost of car insurance can vary widely based on several factors, including your location, driving history, vehicle model year, and chosen coverage options. A clean driving record can help lower premiums, while accidents or traffic violations may increase costs.
Living in a high-traffic urban area may also lead to higher rates compared to rural locations. Additionally, the type of coverage you select affects your premium—comprehensive coverage, which includes both collision and comprehensive protection, is generally more expensive than basic liability coverage.
As shown in the table below, insuring a Jeep Grand Cherokee is more affordable than the average cost for all Jeep models but still higher than the overall average for all vehicles.
Insuranceopedia can help you compare quotes from different insurance providers, making it easier to find the best deal for your needs.
Vehicle | Average Monthly Premium |
Jeep Grand Cherokee | $151 |
All Jeeps | $160 |
All Cars | $175 |
Average Insurance Cost Of Jeep Grand Cherokee By Model Year
Model Year | Average Premium |
2024 Jeep Grand Cherokee | $1,456 |
2023 Jeep Grand Cherokee | $843 |
2022 Jeep Grand Cherokee | $740 |
2021 Jeep Grand Cherokee | $681 |
2020 Jeep Grand Cherokee | $688 |
2019 Jeep Grand Cherokee | $650 |
2018 Jeep Grand Cherokee | $595 |
2017 Jeep Grand Cherokee | $672 |
2016 Jeep Grand Cherokee | $625 |
2015 Jeep Grand Cherokee | $473 |
2014 Jeep Grand Cherokee | $403 |
2013 Jeep Grand Cherokee | $543 |
2012 Jeep Grand Cherokee | $500 |
2011 Jeep Grand Cherokee | $552 |
2010 Jeep Grand Cherokee | $460 |
2024 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2024 Jeep Grand Cherokee is $1,456. However, SECURA Insurance offers the cheapest rates, averaging $947 per year.
Insurance Provider | Average Annual Cost |
Grange | $1,549 |
Auto Club | $1,714 |
Nationwide | $1,292 |
Esurance | $1,199 |
Safeco | $1,647 |
Auto-Owners Insurance Co | $1,633 |
SECURA Insurance | $947 |
Dairyland Auto | $1,457 |
Chubb | $1,766 |
USAA | $1,358 |
2023 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2023 Jeep Grand Cherokee is $843. However, Safeco offers the cheapest rates, averaging $466 per year.
Insurance Provider | Average Annual Cost |
SafeAuto | $891 |
Pekin Insurance | $748 |
Victoria | $574 |
NatGen PPA | $673 |
SECURA Insurance | $1,147 |
Erie | $1,047 |
Safeco | $466 |
Capital Insurance Group | $1,121 |
New York Central Mutual Fire | $736 |
Texas Farm Bureau Group | $1,017 |
2022 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2022 Jeep Grand Cherokee is $740. However, Mercury Insurance offers the cheapest rates, averaging $294 per year.
Insurance Provider | Average Annual Cost |
Capital Insurance Group | $1,080 |
SECURA Insurance | $1,086 |
PEMCO | $967 |
Mercury Insurance | $294 |
NatGen Custom 360 | $528 |
Victoria | $308 |
NatGen PPA | $832 |
American National P | $597 |
Safeco | $820 |
Buckeye Insurance Group | $890 |
2021 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2021 Jeep Grand Cherokee is $681. However, Kemper Auto offers the cheapest rates, averaging $331 per year.
Insurance Provider | Average Annual Cost |
Kemper Premium | $900 |
Kemper Auto | $331 |
Utica National Ins Group | $912 |
Countryway Insurance | $872 |
Mercury Insurance | $825 |
Dairyland FR Bond | $594 |
NatGen Custom 360 | $930 |
American National P | $674 |
Safeco | $397 |
Victoria | $374 |
2020 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2020 Jeep Grand Cherokee is $688. However, Buckeye Insurance Group offers the cheapest rates, averaging $500 per year.
Insurance Provider | Average Annual Cost |
Buckeye Insurance Group | $500 |
Countryway Insurance | $892 |
Mercury Insurance | $300 |
American National P | $645 |
Bear River | $695 |
Kemper Auto | Infinity | $856 |
Concord Group | $807 |
Safeco | $510 |
MMG Insurance Company | $840 |
Union Mutual Fire Group | $837 |
2019 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2019 Jeep Grand Cherokee is $650. However, Kemper Personal Insurance offers the cheapest rates, averaging $302 per year.
Insurance Provider | Average Annual Cost |
Safeco | $350 |
Kemper Personal Insurance | $302 |
Mercury Insurance | $445 |
American National P | $656 |
NatGen Value | $693 |
Patriot Group | $933 |
IMT Insurance Company | $968 |
Concord Group | $551 |
Countryway Insurance | $813 |
MMG Insurance Company | $787 |
2018 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2018 Jeep Grand Cherokee is $595. However, Safeco offers the cheapest rates, averaging $259 per year.
Insurance Provider | Average Annual Cost |
PEMCO | $750 |
Kemper Personal Insurance | $610 |
NatGen Custom 360 | $243 |
Patriot Group | $679 |
Safeco | $259 |
American National P | $633 |
Concord Group | $433 |
Mercury Insurance | $641 |
MMG Insurance Company | $695 |
NatGen Value | $1,005 |
2017 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2017 Jeep Grand Cherokee is $672. However, NatGen Custom 360 offers the cheapest rates, averaging $230 per year.
Insurance Provider | Average Annual Cost |
Mercury Insurance | $926 |
Countryway Insurance | $899 |
North Carolina Farm Bureau | $652 |
AssuranceAmerica Mobile Max | $166 |
Safeco | $381 |
NatGen Custom 360 | $230 |
American National P | $691 |
Colorado Farm Bureau Mutual | $1,093 |
Kentucky Farm Bureau | $1,037 |
Buckeye Insurance Group | $640 |
2016 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2016 Jeep Grand Cherokee is $625. However, NatGen Custom 360 offers the cheapest rates, averaging $235 per year.
Insurance Provider | Average Annual Cost |
North Carolina Farm Bureau | $833 |
MMG Insurance Company | $957 |
Countryway Insurance | $807 |
PEMCO | $881 |
Safeco | $389 |
Kemper Personal Insurance | $536 |
Concord Group | $566 |
Mercury Insurance | $625 |
AssuranceAmerica Mobile Max | $423 |
NatGen Custom 360 | $235 |
2015 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2015 Jeep Grand Cherokee is $473. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $173 per year.
Insurance Provider | Average Annual Cost |
Kemper Personal Insurance | $480 |
NatGen Custom 360 | $416 |
Dairyland Broadform | $272 |
AssuranceAmerica Mobile Max | $173 |
Rural Mutual Insurance | $815 |
Texas Farm Bureau Group | $792 |
Infinity Special | $694 |
Mercury Insurance | $519 |
Safeco | $284 |
Dairyland FR Bond | $286 |
2014 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2014 Jeep Grand Cherokee is $403. However, Kemper Personal Insurance offers the cheapest rates, averaging $149 per year.
Insurance Provider | Average Annual Cost |
AssuranceAmerica Mobile Max | $510 |
Infinity Special | $606 |
Commerce Group Inc | $640 |
Kemper Personal Insurance | $149 |
NatGen Custom 360 | $322 |
Utica National Ins Group | $627 |
Dairyland Broadform | $305 |
Dairyland FR Bond | $282 |
Mercury Insurance | $415 |
Safeco | $178 |
2013 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2013 Jeep Grand Cherokee is $543. However, Kemper Auto | Infinity offers the cheapest rates, averaging $83 per year.
Insurance Provider | Average Annual Cost |
Infinity Special | $555 |
Concord Group | $746 |
NatGen PPA | $643 |
American National P | $779 |
Safeco | $184 |
NatGen Custom 360 | $167 |
MMG Insurance Company | $959 |
Mercury Insurance | $364 |
Kemper Auto | Infinity | $83 |
West Bend Mutual | $947 |
2012 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2012 Jeep Grand Cherokee is $500. However, Safeco offers the cheapest rates, averaging $125 per year.
Insurance Provider | Average Annual Cost |
Safeco | $125 |
Mercury Insurance | $275 |
Utica National Ins Group | $695 |
Kemper Personal Insurance | $701 |
American National P | $624 |
Dairyland FR Bond | $554 |
American National P&C | $437 |
NatGen PPA | $614 |
NatGen Custom 360 | $520 |
Dairyland Broadform | $456 |
2011 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2011 Jeep Grand Cherokee is $552. However, Safeco offers the cheapest rates, averaging $59 per year.
Insurance Provider | Average Annual Cost |
Patriot Group | $737 |
American National P | $487 |
NatGen Value | $562 |
Dairyland FR Bond | $754 |
Safeco | $59 |
Infinity Special | $613 |
Mercury Insurance | $108 |
Kentucky Farm Bureau | $771 |
MMG Insurance Company | $752 |
Kemper Auto | Infinity | $673 |
2010 Jeep Grand Cherokee Insurance Rates
The average annual insurance cost for a 2010 Jeep Grand Cherokee is $460. However, Safeco offers the cheapest rates, averaging $100 per year.
Insurance Provider | Average Annual Cost |
Patriot Group | $691 |
North Carolina Farm Bureau | $615 |
AssuranceAmerica Mobile Max | $318 |
American National P | $677 |
MMG Insurance Company | $576 |
Kemper Auto | Infinity | $559 |
Kemper Auto Premier | $302 |
Commerce Group Inc | $604 |
Mercury Insurance | $159 |
Safeco | $100 |
Find Affordable Jeep Grand Cherokee Insurance Rates
Is A Jeep Grand Cherokee Expensive To Insure?
Insuring a Jeep Grand Cherokee typically costs less than the overall average for all vehicles. However, your actual premium will depend on factors like your age, the car’s model year, your location, and other personal details.
Cost of Jeep Grand Cherokee Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they are statistically more likely to be involved in accidents. However, as drivers gain experience and pose less risk, their insurance costs tend to decrease over time.
Driver Age | Good Driver | Recent Accident | Poor Credit |
17 | $7,736 | $11,323 | $13,262 |
18 | $7,194 | $10,548 | $12,349 |
19 | $6,320 | $9,284 | $10,952 |
20 | $5,517 | $8,136 | $9,551 |
21 | $4,689 | $6,797 | $8,009 |
22 | $4,490 | $6,668 | $7,754 |
23 | $3,987 | $5,852 | $6,751 |
24 | $3,804 | $5,520 | $6,462 |
25 | $3,215 | $4,757 | $5,606 |
30 | $2,572 | $3,750 | $4,355 |
35 | $2,375 | $3,495 | $4,088 |
40 | $2,287 | $3,310 | $3,934 |
45 | $2,210 | $3,292 | $3,840 |
55 | $2,035 | $3,009 | $3,476 |
65 | $2,118 | $3,147 | $3,657 |
75 | $2,664 | $3,894 | $4,635 |
Jeep Grand Cherokee Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations—for instance, Michigan drivers often pay higher premiums due to the state’s stricter coverage requirements.
Climate also plays a role, as some areas are prone to extreme weather conditions like hurricanes, storms, and flooding. Additionally, insurers assess local crime and accident statistics, including car thefts, crashes, and fatality rates. All these factors influence the cost of insuring a Jeep Grand Cherokee in your area.
State | Good Driver | Recent Accident | Poor Credit |
Alabama | $2,402 | $3,463 | $4,453 |
Alaska | $2,016 | $2,798 | $2,679 |
Arizona | $2,248 | $3,209 | $4,775 |
Arkansas | $2,491 | $3,920 | $4,288 |
California | $2,793 | $4,911 | $2,712 |
Colorado | $2,530 | $3,556 | $4,563 |
Connecticut | $3,317 | $5,112 | $6,476 |
Delaware | $2,688 | $3,655 | $4,631 |
Florida | $3,274 | $4,507 | $5,809 |
Georgia | $2,656 | $3,969 | $3,980 |
Hawaii | $1,082 | $1,392 | $1,087 |
Idaho | $1,871 | $2,473 | $2,979 |
Illinois | $1,906 | $2,906 | $3,283 |
Indiana | $1,949 | $2,986 | $3,420 |
Iowa | $1,514 | $2,092 | $2,561 |
Kansas | $2,118 | $3,004 | $3,543 |
Kentucky | $3,012 | $4,430 | $5,215 |
Louisiana | $3,843 | $5,865 | $6,314 |
Maine | $1,422 | $2,041 | $2,974 |
Maryland | $2,322 | $3,456 | $3,806 |
Massachusetts | $1,869 | $3,246 | $1,925 |
Michigan | $4,595 | $6,955 | $10,927 |
Minnesota | $1,846 | $2,535 | $3,481 |
Mississippi | $2,253 | $3,258 | $3,206 |
Missouri | $2,148 | $3,087 | $4,015 |
Montana | $2,199 | $3,042 | $3,513 |
Nebraska | $1,800 | $2,687 | $2,957 |
Nevada | $3,056 | $4,534 | $4,764 |
New Hampshire | $2,070 | $3,288 | $4,252 |
New Jersey | $2,302 | $3,665 | $4,734 |
New Mexico | $2,323 | $3,488 | $3,620 |
New York | $2,170 | $2,737 | $4,651 |
North Carolina | $1,336 | $2,369 | $1,647 |
North Dakota | $1,896 | $2,806 | $3,305 |
Ohio | $1,682 | $2,532 | $2,660 |
Oklahoma | $2,607 | $3,779 | $4,319 |
Oregon | $2,443 | $3,213 | $3,837 |
Pennsylvania | $2,061 | $2,988 | $3,455 |
Rhode Island | $3,401 | $4,987 | $5,595 |
South Carolina | $2,320 | $3,162 | $4,371 |
South Dakota | $2,023 | $2,990 | $3,466 |
Tennessee | $2,413 | $3,538 | $4,804 |
Texas | $2,401 | $3,553 | $4,396 |
Utah | $2,100 | $2,906 | $3,994 |
Vermont | $1,650 | $2,469 | $2,586 |
Virginia | $1,510 | $2,267 | $2,301 |
Washington | $2,016 | $2,683 | $3,283 |
West Virginia | $2,057 | $2,846 | $3,595 |
Wisconsin | $2,009 | $3,163 | $3,518 |
Wyoming | $1,889 | $2,589 | $2,747 |
Find Affordable Jeep Grand Cherokee Insurance Rates
Cheapest Car Insurance Companies For A Jeep Grand Cherokee
If you’re searching for the most affordable car insurance for your Jeep Grand Cherokee, it’s helpful to know which companies offer the lowest rates. Encompass provides the cheapest option, with an average premium of $28 per month. However, rates vary depending on your driving profile, so this amount may differ for you. To find the best deal, it’s always a good idea to compare quotes from multiple providers.
Company | Average Monthly Rate |
Encompass | $28 |
StateAuto | $51 |
Shelter Mutual | $46 |
AmericanAlliance | $57 |
Kemper Personal Insurance | $51 |
Common Jeep Grand Cherokee Insurance Discounts
Taking advantage of discounts is a great way to reduce your car insurance costs. While each insurer offers different savings, here are some common discounts you might qualify for:
- Multi-policy discount – Bundling your auto and home insurance with the same provider can lead to lower rates.
- Pay-in-full discount – Paying your premium annually instead of in monthly installments may earn you a discount.
- Defensive driving discount – Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts available based on your insurer. It’s best to check with your insurance agent to see which ones you qualify for.
Ways To Save On Jeep Grand Cherokee Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Jeep Grand Cherokee insurance costs. Traffic violations and accidents can lead to higher premiums—drivers with a ticket on their record typically pay around $103 per month, while those with multiple accidents may see rates rise to $150 per month.
Driving fewer miles each year can also help reduce insurance costs. Jeep Grand Cherokee owners who drive between 5,000 and 7,500 miles annually pay about $86 per month, while those exceeding 10,000 miles per year can expect to pay around $94 per month. By maintaining a safe driving history and limiting mileage, you can keep your insurance rates more affordable.
Compare Jeep Grand Cherokee To Other Jeep Models
Looking for other Jeep model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on your personal details and coverage choices.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Jeep Grand Cherokee?
Yes, you’ll need proof of insurance before driving your Jeep Grand Cherokee off the dealership lot. It’s best to purchase a policy beforehand and inform your insurance company that you’re about to buy the car, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Jeep Grand Cherokee?
To find the best rates for insuring your Jeep Grand Cherokee, it’s important to shop around and compare quotes from various auto insurance companies. Luckily, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.