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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Updated: 09 February 2025
Written by Bob Phillips
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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

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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

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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.

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.

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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.

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