Jeep Grand Cherokee Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Jeep Grand Cherokee costs about the same to insure as the average SUV.
• Liability only insurance rates for a Grand Cherokee average about $84 a month, while full coverage normally runs around $155 monthly.
• The lowest auto insurance company for a Grand Cherokee is AmericanAlliance, who offers Grand Cherokee owners prices sometimes as little as $46 a month.

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Grand Cherokee Overview

With base prices starting at just $36,160 for 2022 models, the Jeep Grand Cherokee is a great budget-friendly option for any driver. There's a Grand Cherokee for every driver, with 14 different trim options available.

Based on analyzing thousands of car insurance quotes from Compare.com, we've found that Jeep Grand Cherokee auto insurance premiums run about $165 monthly, on average. How do insurance rates for the Grand Cherokee stack up against other similar SUVs?

How Much is Car Insurance for a Jeep Grand Cherokee?

In the table above, you'll see that Jeep Grand Cherokee insurance prices are right around average compared to other vehicles on the road. On average, Grand Cherokee drivers will pay about $84 per month for liability insurance, and around $155 a month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other Jeep models, the Grand Cherokee's insurance rate is in line with the rest of the manufacturer's vehicle offerings. However, compared to other vehicles of a similar body style, Grand Cherokee coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other SUVs.

When compared to all vehicles of any body type, the Grand Cherokee has more expensive rates than average for both full coverage and liability only car insurance.

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Who has the Cheapest Car Insurance for a Jeep Grand Cherokee?

If you're browsing for a new car insurance policy for your Jeep Grand Cherokee, you may want to know which carrier offers the cheapest prices. Even though premiums can differ quite significantly depending on your driver profile, Encompass provides the most affordable average rates for liability only coverage, with rates as cheap as $24 per month. With car insurance as little as $37 monthly, Shelter Mutual is the next cheapest auto insurance company.

The third, fourth, and fifth carriers on the list are Kemper Personal Insurance, StateAuto, and AmericanAlliance. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Jeep Grand Cherokee.

Auto insurance carriers take a bunch of factors into consideration when calculating monthly prices. By getting quotes from an array of insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Jeep Grand Cherokee?

As we mentioned above, there are a range of things that car insurance carriers reference to determine how much they charge for auto insurance -- and each carrier weighs certain factors more than others, so there's not a singular company that's the most affordable for everyone.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Jeep Grand Cherokee has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Grand Cherokees begin to depreciate, insurance costs will gradually go down.

As you can see in the information above, the Jeep Grand Cherokee follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Grand Cherokees that are 1 year old or less, on average.

Your Age

Age is another factor that makes a significant difference in how much you pay for car insurance. Based on the information in the table above, drivers under 18 have higher prices than drivers with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group for Grand Cherokee drivers being 55-64.

Your Gender

Men generally pay more for auto insurance than women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. When it comes to Grand Cherokee drivers specifically, women pay about $8 less than men a month for insurance.

Where You Live

You might think it's common sense that things such as what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live can have just as much as an impact. Since auto insurance is regulated on the state level and not nationally, rates shift quite a bit depending on which state you're located in.

For example, the average Jeep Grand Cherokee driver in New York pays around $188 monthly for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Jeep Grand Cherokee Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your car insurance. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you can't control every variable auto insurance companies take a look at to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use in your favor when it comes to cost savings:

Your Driving Record

You've most likely heard ads from insurance carriers promoting large savings for good drivers. It shouldn't come as a surprise that your auto insurance premiums will increase if you get into a collision or get tickets for speeding. But exactly how much can these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost Grand Cherokee drivers more than tickets, but both will result in a raise in rates. Jeep Grand Cherokee drivers with a single ticket will pay about $99 per month, while drivers with one accident on their record pay an average of $107 each month (up $23 from the $84/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

How much you drive each year plays a role in your insurance rates. Those who are on the roads less are less likely to get into accidents, so they'll usually get cheaper premiums. In the table above, you can see that Jeep Grand Cherokee owners who drive fewer than 2,500 miles per year pay about $76 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $85.

But if you drive a limited amount, it may be worth reviewing pay-per-mile or usage-based auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Jeep Grand Cherokees Compare to Other Vehicles?

If you're thinking about making a Jeep Grand Cherokee your next SUV, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Check out the table below to see how the Jeep Grand Cherokee compares:

Overall, the Jeep Grand Cherokee has an average MSRP and is in line with the going rate for a new vehicle. The Grand Cherokee goes for $39,390, close to the national average vehicle MSRP of $46,192.

Liability insurance for a Jeep Grand Cherokee is, while full coverage is over $50 cheaper a month.

When it comes to usage, Jeep Grand Cherokee owners drive about the same amount annually as the national average, with 11,617 miles every year for all vehicles compared to the Grand Cherokee's 10,987 a year.

Jeep Grand Cherokee Car Insurance Costs by Model Year

Thus far, you've seen how different factors affect how much the average driver pays for car insurance. But if you're thinking about buying a new vehicle and the Grand Cherokee is one you're considering, knowing what you can expect to pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Jeep Grand Cherokee Car Insurance 2020 Jeep Grand Cherokee Car Insurance 2019 Jeep Grand Cherokee Car Insurance 2018 Jeep Grand Cherokee Car Insurance 2017 Jeep Grand Cherokee Car Insurance 2016 Jeep Grand Cherokee Car Insurance 2015 Jeep Grand Cherokee Car Insurance 2014 Jeep Grand Cherokee Car Insurance 2013 Jeep Grand Cherokee Car Insurance 2012 Jeep Grand Cherokee Car Insurance 2011 Jeep Grand Cherokee Car Insurance 2010 Jeep Grand Cherokee Car Insurance

2021 Jeep Grand Cherokee Car Insurance

The average cost to insure a 2021 Jeep Grand Cherokee with liability only coverage is $73 per month, while full coverage runs about $164 monthly.

We found DirectGeneral offered the cheapest policy, with rates as low as $30 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2020 Jeep Grand Cherokee Car Insurance

It costs around $144 per month for liability or $197 for a full coverage policy for the 2020 Grand Cherokee.

Looking for the lowest policy? Shelter Mutual offered liability only coverage for as low as just $26 a month.

If you want to know exactly how much you can expect to pay for your Grand Cherokee, just enter your ZIP code below and get free quotes in minutes.

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2019 Jeep Grand Cherokee Car Insurance

You can expect full coverage for a 2019 Jeep Grand Cherokee to run about $185 monthly, while liability only coverage will average around $129 per month.

With rates as little as just $24 a month, MetLife offered the cheapest policy we found.

Want to know exactly how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2018 Jeep Grand Cherokee Car Insurance

2018 Grand Cherokee drivers can expect to pay an average of $93 monthly for liability or $168 for full coverage.

If you're looking for the lowest possible 2018 Jeep Grand Cherokee insurance policy, Encompass offered the most affordable policy we found, with rates sometimes as low as $19 per month.

While these are good estimates of what the average driver might pay to insure a 2018 Jeep Grand Cherokee, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2017 Jeep Grand Cherokee Car Insurance

On average, drivers who own a 2017 Jeep Grand Cherokee can expect to pay $121 to $170 a month for liability only and full coverage auto insurance, respectively.

MetLife has premiums sometimes as cheap as $17 monthly for the 2017 Jeep Grand Cherokee.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 Jeep Grand Cherokee Car Insurance

2016 Grand Cherokee drivers can expect to pay an average of $94 per month for liability or $161 for full coverage.

With prices as cheap as just $19 a month, Shelter Mutual offered the cheapest policy we found for the 2016 Jeep Grand Cherokee.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get lots of free personalized quotes.

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2015 Jeep Grand Cherokee Car Insurance

You can expect full coverage for a 2015 Jeep Grand Cherokee to run about $161 monthly, while liability only coverage will average around $92 per month.

MetLife offered the lowest policy we found, with rates sometimes as low as $18 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2015 Jeep Grand Cherokee, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Jeep Grand Cherokee Car Insurance

On average, drivers who own a 2014 Grand Cherokee can expect to pay $96 to $153 per month for liability only and full coverage car insurance, respectively.

Shelter Mutual has rates as low as just $20 monthly for the 2014 Jeep Grand Cherokee.

These average premiums are a great starting point if you're in the market for a 2014 Jeep Grand Cherokee, but there are lots of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2013 Jeep Grand Cherokee Car Insurance

The average cost to insure a 2013 Jeep Grand Cherokee with liability only coverage is $98 per month, while full coverage runs about $144 a month.

With prices as little as $21 monthly, Workmens offered the most affordable policy we found for the 2013 Jeep Grand Cherokee.

Interested in what your insurance premium could look like? Just enter your ZIP code below to get a variety of free customized quotes.

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2012 Jeep Grand Cherokee Car Insurance

It costs around $89 a month for liability or $156 for a full coverage policy for the 2012 Grand Cherokee.

We found Mile Auto offered the lowest policy, with rates sometimes as little as $19 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2011 Jeep Grand Cherokee Car Insurance

The average cost to insure a 2011 Jeep Grand Cherokee with liability only coverage is $86 per month, while full coverage runs about $148 a month.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as little as just $18 per month.

What will your auto insurance rate be? Get multiple personalized quotes for free by just entering your ZIP code below.

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2010 Jeep Grand Cherokee Car Insurance

You can expect full coverage for a 2010 Grand Cherokee to run around $158 monthly, while liability only coverage will average about $80 a month.

With rates sometimes as cheap as $25 monthly, MetLife offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Jeep Grand Cherokee Insurance FAQs

Is a Jeep Grand Cherokee expensive to insure?

The cost of car insurance for the Jeep Grand Cherokee is about the same as insuring the average SUV. Liability insurance runs an average of $84 per month, while full coverage will cost you around $155.

How can I get the best price on car insurance for my Jeep Grand Cherokee?

The only way to ensure you're getting the lowest price on insurance is to check prices regularly and compare quotes from a lot of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jeep Grand Cherokee affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are numerous factors auto insurance companies look at when they offer prices, but the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Jeep Grand Cherokee?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but the easiest thing to do is to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my Jeep Grand Cherokee?

You will find many different discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Grand Cherokee you drive, but if your Grand Cherokee has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about their discounts, since they vary quite a bit from carrier to carrier.