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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Jeep Grand Cherokee car insurance averages $151 per month, which is less expensive than the national average for all vehicles of $166 per month.
USAA offers the cheapest coverage, at an average of $78 per month.
Stellar safety ratings help keep insurance costs low for the Jeep Grand Cherokee.[1]
The cost to insure a Jeep Grand Cherokee depends on the type of insurance policy you choose, among other factors. Liability coverage averages $112 per month and meets your state’s minimum requirements to drive legally. But it doesn’t cover damage to your vehicle if you cause an accident.
Full coverage does, which is why it costs more — averaging $189 per month, our data shows.
The following table shows the average monthly cost of Jeep Grand Cherokee car insurance for different policy types and how it compares to the national average for all vehicles.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Jeep Grand Cherokee | $112 | $189 | $151 |
| All vehicles | $116 | $216 | $166 |
Besides the type of coverage you choose, many other factors affect auto insurance pricing. The following sections provide insight into important factors that help determine premiums.
Although the average premium for a Jeep Grand Cherokee is only $151 per month, you can still find ways to save money on your car insurance policy.
Here’s a look at the five cheapest insurance companies for Grand Cherokees, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $86 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $120 |
| CSAA | $132 |
| Nationwide | $142 |
| Progressive | $145 |
| Travelers | $148 |
| Farmers | $168 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest car insurance rates for the Grand Cherokee, at $78 per month. That’s well below the national average for all vehicles of $166 per month. The company also has excellent customer service, ranking well above average in J.D. Power’s latest study.
But USAA is available only to active-duty military, veterans, and their families. The insurer also has very limited in-person customer support.
Cheap Grand Cherokee rates
Top-rated customer service
A++ (Superior) financial strength rating
Military-only eligibility
Limited in-person support
Diminishing deductible not available
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great choice for Grand Cherokee drivers. The company not only has affordable rates but also has a large network of local agents to offer personalized support.
State Farm’s rates can be higher for some high-risk drivers, though. And it doesn’t offer as many coverage add-ons as some other insurers.
Large network of local agents
Highly rated mobile app
Available nationwide
Higher rates for some drivers
Few optional coverages
Gap insurance not available
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers Grand Cherokee drivers a variety of coverage options, including accident forgiveness and rideshare coverage. It also has two telematics programs — Drivewise and Milewise — that can help lower your rates.
But the company scores below average for customer satisfaction and has many customer complaints with the National Association of Insurance Commissioners.
Many coverage options available
Available in all 50 states
Telematics program available
Higher-than-average number of customer service complaints
Policy management can be complicated
Below-average customer satisfaction in most regions
Compare personalized quotes from dozens of top insurance companies.
Your vehicle’s age also affects your insurance rate. In general, the more your vehicle is worth, the more you’ll pay for car insurance. So, newer vehicles are typically more expensive to insure than older models.
Let’s take a look at average premiums by Grand Cherokee model year and the cheapest insurer for each, according to Compare.com data.
Grand Cherokee Model Year | Average Monthly Premium |
|---|---|
| 2025 | $182 |
| 2024 | $182 |
| 2023 | $182 |
| 2022 | $182 |
| 2021 | $176 |
| 2020 | $168 |
| 2019 | $164 |
| 2018 | $158 |
| 2017 | $155 |
| 2016 | $151 |
| 2015 | $147 |
| 2014 | $145 |
| 2013 | $138 |
| 2012 | $134 |
| 2011 | $131 |
| 2010 | $129 |
| 2009 | $124 |
| 2008 | $123 |
| 2007 | $120 |
| 2006 | $119 |
| 2005 | $116 |
| 2004 | $113 |
| 2003 | $112 |
| 2002 | $112 |
| 2001 | $112 |
| 2000 | $111 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $104 |
| Allstate | $133 |
| American Family | $141 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $104 |
| Allstate | $133 |
| American Family | $141 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $104 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $144 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $104 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $144 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| American Family | $136 |
| GEICO | $140 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $133 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $120 |
| American Family | $127 |
| GEICO | $131 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| Allstate | $115 |
| American Family | $123 |
| GEICO | $126 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $89 |
| Allstate | $113 |
| American Family | $120 |
| GEICO | $124 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $86 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $84 |
| Allstate | $107 |
| American Family | $114 |
| GEICO | $117 |
Where you live can significantly affect your annual premium. Factors like accident and vehicle theft rates, weather events, auto laws, traffic density, and auto repair costs vary by location and even ZIP code.[2]
Check out the table below, which shows the average monthly premium for Jeep Grand Cherokee car insurance by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $125 |
| Arizona | $133 |
| Arkansas | $143 |
| California | $162 |
| Colorado | $162 |
| Connecticut | $225 |
| Delaware | $188 |
| Florida | $176 |
| Georgia | $201 |
| Hawaii | $100 |
| Idaho | $83 |
| Illinois | $125 |
| Indiana | $103 |
| Iowa | $85 |
| Kansas | $117 |
| Kentucky | $156 |
| Louisiana | $169 |
| Maine | $110 |
| Maryland | $240 |
| Massachusetts | $119 |
| Michigan | $182 |
| Minnesota | $137 |
| Mississippi | $119 |
| Missouri | $143 |
| Montana | $118 |
| Nebraska | $114 |
| Nevada | $200 |
| New Hampshire | $69 |
| New Jersey | $213 |
| New Mexico | $114 |
| New York | $174 |
| North Carolina | $70 |
| North Dakota | $92 |
| Ohio | $98 |
| Oklahoma | $135 |
| Oregon | $120 |
| Pennsylvania | $127 |
| Rhode Island | $174 |
| South Carolina | $193 |
| South Dakota | $109 |
| Tennessee | $112 |
| Texas | $173 |
| Utah | $118 |
| Vermont | $113 |
| Virginia | $141 |
| Washington | $134 |
| Washington D.C. | $248 |
| West Virginia | $116 |
| Wisconsin | $96 |
| Wyoming | $89 |
Compare quotes for your Grand Cherokee from multiple top insurers.
Age is one of the most important car insurance rating factors. Teens and young drivers pay the most for car insurance because they have a greater risk of getting into an accident or engaging in riskier behaviors that can lead to tickets and accidents.[3] Around 25, rates go down as you get older and gain experience. But you’ll see a slight uptick once you hit 70, as your risk of injury and getting into an accident increases with age.[4]
We analyzed average monthly premiums and insurers to find the cheapest Grand Cherokee insurance companies for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $290 |
| Adults | $151 |
| Seniors | $130 |
Drivers age 20 and younger make up just 5% of licensed drivers but account for 13% of drivers involved in crashes, according to the National Highway Traffic Safety Administration (NHTSA).[5] That heightened risk translates into significantly higher insurance rates for teen Jeep Grand Cherokee drivers.
But rates vary considerably by insurer, so it’s important to shop around and compare. The companies listed below offer the most competitive rates for Jeep Grand Cherokee insurance for drivers younger than 25, according to our data.
Senior drivers usually have decades of driving experience and safer habits behind the wheel. Drivers in their 70s have fewer fatal crashes than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS).
That experience translates to lower insurance premiums. Many companies offer senior-specific discounts that can reduce rates even more.
Here are the insurers with the cheapest Jeep Grand Cherokee rates for senior drivers, according to our data.
Your driving record significantly affects your insurance rates because insurers look at past violations to assess risk.[6] A speeding ticket can increase your Grand Cherokee insurance rate by nearly 34%, while a driving under the influence (DUI) conviction can raise your premiums by a staggering 68%. Violations typically stay on your record for three to five years.
Here’s how average rates vary for Jeep Grand Cherokee drivers with different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $151 |
| Speeding ticket | $202 |
| At-fault accident | $216 |
| DUI | $254 |
Speeding tickets tell insurers that you’re a risky driver. Speeding contributed to 29% of traffic fatalities in 2023, according to the NHTSA.[7] The severity of the violation matters, too. The faster you were going, the more you can expect your rates to increase.
But companies weigh speeding tickets differently, so comparison shopping is essential to keep your rates low. The insurers in the table below offer the cheapest rates for Jeep Grand Cherokee drivers with a speeding ticket, according to our data.
At-fault accidents also indicate to insurance companies that you’re a risky driver. Insurers consider you more likely to file future claims after an accident.[8] At-fault accidents generally affect your premiums for three years.
While all insurers may increase rates after an accident, some weigh your claims history less heavily than others. Comparing quotes can help you find the best price for your driving record.
These companies offer the lowest rates for Jeep Grand Cherokee drivers with an at-fault accident, according to our data.
DUI convictions are the most serious driving infraction to insurers and trigger the steepest rate increases of any violation. Some insurers won’t even cover you after a DUI.[9]
But certain companies specialize in high-risk drivers and may offer more competitive rates. So it’s important to shop around for the best price. The insurers below offer the most affordable Jeep Grand Cherokee insurance for drivers with a DUI, according to our data.
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Along with your age and driving record, features of your Jeep Grand Cherokee influence how much you pay for coverage. Some details of your Grand Cherokee that affect rates include:
Vehicle value: A 2025 Jeep Grand Cherokee starts at $38,490.[10] That’s about average for a midsize SUV, but less expensive models may have cheaper rates due to lower replacement costs.
Safety features: The Grand Cherokee has a 5-star safety rating from the NHTSA, helping keep premiums affordable.
Theft risk: The Grand Cherokee isn’t among the most stolen vehicles nationwide, but theft rates are higher in certain states.[11] That could lead to higher premiums in some areas.
Off-road capabilities: All-wheel drive and four-wheel drive parts tend to cost more to repair or replace, leading to higher rates.
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The cost to insure your Grand Cherokee can vary greatly, based on a number of factors. But whatever your driver profile or vehicle, you can take steps to get cheaper car insurance:
Shop before you buy a Jeep. With so many factors and trim levels to consider, rates can vary widely by Jeep model. Compare quotes to find the best deal to ensure you can afford your insurance premium.
Bundle your policies with one company. If you have more than one vehicle, insure them both with the same insurance company to get a multi-car discount. Save even more if you bundle your auto and home insurance with the same insurer to get a multi-policy discount.
Consider an older Jeep. An older Grand Cherokee might not have all the bells and whistles, but you may be able to buy it for cash. If you don’t finance your purchase, you can get away with just liability coverage. Just be sure you can afford to fix or replace your vehicle after an accident.
Shop often. Compare quotes annually or each time your policy renews to ensure you get the lowest rates without sacrificing coverage. Make it easier by using a car insurance comparison site. Just be sure to have a new policy in place before you cancel your old one so you can avoid a lapse in coverage.
Comparing quotes could save you up to $900 annually.
We answered common questions about auto insurance for a Jeep Grand Cherokee.
The Jeep Grand Cherokee is less expensive to insure than the national average for all vehicles, according to Compare.com data. Insurance for the Grand Cherokee averages $151 per month, or an average annual premium of $1,812. The national average for all vehicles is $166 per month ($1,992 per year).
USAA is the cheapest insurance company for the Jeep Grand Cherokee, with rates averaging $78 per month, according to Compare.com data. But USAA offers policies only to military members and their families. State Farm and Allstate also offer affordable rates, at $86 and $110 per month, respectively.
The average cost to insure a 2025 Jeep Grand Cherokee is $182 per month, according to Compare.com data. Liability-only averages $135, while full coverage costs an average of $228 per month.
The Jeep Wrangler is the cheapest Jeep model to insure, with rates averaging $145 per month, according to Compare.com data. But your personal rates can vary depending on several factors, including your location and driving record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).