Jeep Grand Cherokee insurance costs average $94 monthly for minimum coverage and $182 per month for full coverage. Depending on your particular trim and model year, costs can range from $54 to $549 monthly.
Jeep Grand Cherokee Insurance Cost
Updated: September 30, 2025
Key Takeaways
Jeep Grand Cherokee insurance costs vary widely from $89 monthly for basic minimum coverage to $549 for comprehensive full coverage, depending on your model year and trim level.
The Grand Cherokee ranks 423rd out of 827 vehicle models for insurance affordability in the US market, placing it in the middle range for coverage costs nationwide.
GEICO offers the most affordable Jeep Grand Cherokee insurance at $148 monthly for full coverage, while minimum coverage policies start at $69 monthly.
How Much Is Jeep Grand Cherokee Insurance?
| Jeep Grand Cherokee | $94 | $182 |
Jeep Grand Cherokee Insurance Cost by Model Year
Your vehicle's model year and available trims affect your rates, with newer models generally costing more due to higher fair value. Monthly insurance costs for Jeep Grand Cherokee models range from $57 for older years to $232 for newer ones.
| 2025 | $114 | $222 |
| 2024 | $115 | $223 |
| 2023 | $84 | $164 |
| 2022 | $111 | $217 |
| 2021 | $119 | $232 |
| 2020 | $100 | $195 |
| 2019 | $89 | $172 |
| 2018 | $84 | $163 |
| 2017 | $86 | $167 |
| 2016 | $111 | $214 |
| 2015 | $100 | $194 |
| 2014 | $91 | $177 |
| 2013 | $82 | $159 |
| 2012 | $69 | $132 |
| 2011 | $57 | $110 |
| 2010 | $94 | $182 |
| 2009 | $83 | $159 |
| 2008 | $83 | $160 |
| 2007 | $83 | $160 |
| 2006 | $76 | $147 |
| 2005 | $70 | $135 |
| 2004 | $90 | $173 |
| 2003 | $85 | $162 |
| 2002 | $76 | $146 |
| 2001 | $74 | $143 |
| 2000 | $68 | $131 |
Jeep Grand Cherokee Insurance Cost by Trim
Your Jeep Grand Cherokee's trim dramatically affects insurance costs based on features, performance capabilities and replacement value. Our research shows monthly premiums range from $68 for base Laredo models to $392 for high-performance Trackhawk variants.
| Laredo A Sport Utility 4d | $68 | $133 |
| Sport Utility 4d | $72 | $137 |
| Limited Sterling Edition Sport Utility 4d | $75 | $146 |
| Upland Sport Utility 4d | $77 | $150 |
| Overland Summit Sport Utility 4d | $77 | $149 |
| Laredo Sport Utility 4d | $78 | $150 |
| North Sport Utility 4d | $78 | $152 |
| Trailhawk Sport Utility 4d | $80 | $154 |
| Altitude Sport Utility 4d | $81 | $157 |
| Srt8 Alpine Sport Utility 4d | $81 | $159 |
| Altitude X Sport Utility 4d | $82 | $159 |
| Trailhawk Sport Utility 4d | $82 | $160 |
| Srt8 Vapor Sport Utility 4d | $82 | $160 |
| Limited Sport Utility 4d | $83 | $160 |
| Overland Sport Utility 4d | $83 | $160 |
| Srt Red Vapor Sport Utility 4d | $85 | $165 |
| Freedom Sport Utility 4d | $86 | $167 |
| Laredo X Sport Utility 4d | $87 | $168 |
| Srt Night Package Sport Utility 4d | $87 | $169 |
| Limited X Sport Utility 4d | $88 | $171 |
| Laredo A | $89 | $174 |
| Laredo E Sport Utility 4d | $90 | $174 |
| All New Laredo Sport Utility 4d | $91 | $177 |
| Laredo | $92 | $179 |
| Laredo X | $94 | $182 |
| Limited 75th Anniversary Edition Sport Utility 4d | $94 | $183 |
| 80th Edition Sport Utility 4d | $98 | $190 |
| Srt8 Sport Utility 4d | $98 | $190 |
| Summit Sport Utility 4d | $98 | $191 |
| High Altitude Sport Utility 4d | $101 | $195 |
| Altitude | $102 | $199 |
| Altitude X | $103 | $201 |
| Limited | $107 | $208 |
| All New Limited Sport Utility 4d | $107 | $209 |
| All New Altitude Sport Utility 4d | $108 | $211 |
| Summit Reserve Sport Utility 4d | $111 | $216 |
| 75th Anniversary Edition Sport Utility 4d | $112 | $217 |
| Srt Sport Utility 4d | $116 | $225 |
| All New Trailhawk Sport Utility 4d | $118 | $229 |
| All New Overland Sport Utility 4d | $127 | $247 |
| All New Summit Sport Utility 4d | $134 | $260 |
| Overland | $142 | $277 |
| Summit | $145 | $283 |
| All New Summit Reserve Sport Utility 4d | $147 | $286 |
| Summit Reserve | $156 | $303 |
| Trackhawk Sport Utility 4d | $201 | $392 |
Compare Personalized Jeep Grand Cherokee Insurance Costs
We've broken down Grand Cherokee insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Laredo Sport Utility 4d
| Laredo Sport Utility 4d | $68 | $131 |
Jeep Grand Cherokee Insurance Cost by Company
Jeep Grand Cherokee insurance costs vary by provider from $109 to $241 monthly. Minimum coverage ranges from $69 to $163, while full coverage costs $148 to $345. Rates vary due to different risk assessment models.
| AAA | $104 | $215 |
| AIG | $137 | $345 |
| Allstate | $121 | $233 |
| Amica | $111 | $227 |
| Chubb | $138 | $271 |
| Farmers | $132 | $232 |
| GEICO | $69 | $148 |
| Kemper | $101 | $201 |
| Nationwide | $102 | $176 |
| Progressive | $93 | $174 |
| State Farm | $88 | $183 |
| The Hartford | $111 | $190 |
| Travelers | $83 | $152 |
| UAIC | $163 | $204 |
Jeep Grand Cherokee Insurance Cost by State
Jeep Grand Cherokee insurance costs vary dramatically by location, ranging from $33 monthly in Wyoming to $399 in Louisiana.
| Alabama | $77 | $146 |
| Alaska | $66 | $140 |
| Arizona | $110 | $205 |
| Arkansas | $78 | $175 |
| California | $90 | $181 |
| Colorado | $90 | $215 |
| Connecticut | $131 | $225 |
| Delaware | $132 | $222 |
| Florida | $121 | $281 |
| Georgia | $140 | $232 |
| Hawaii | $49 | $109 |
| Idaho | $51 | $104 |
| Illinois | $85 | $160 |
| Indiana | $61 | $120 |
| Iowa | $52 | $126 |
| Kansas | $68 | $159 |
| Kentucky | $117 | $198 |
| Louisiana | $185 | $399 |
| Maine | $49 | $101 |
| Maryland | $148 | $250 |
| Massachusetts | $94 | $200 |
| Michigan | $142 | $272 |
| Minnesota | $75 | $156 |
| Mississippi | $81 | $161 |
| Missouri | $107 | $214 |
| Montana | $65 | $155 |
| Nebraska | $68 | $155 |
| Nevada | $165 | $298 |
| New Hampshire | $65 | $115 |
| New Jersey | $152 | $251 |
| New Mexico | $76 | $170 |
| New York | $114 | $205 |
| North Carolina | $76 | $148 |
| North Dakota | $54 | $118 |
| Ohio | $71 | $139 |
| Oklahoma | $86 | $191 |
| Oregon | $113 | $198 |
| Pennsylvania | $80 | $190 |
| Rhode Island | $116 | $207 |
| South Carolina | $96 | $179 |
| South Dakota | $49 | $149 |
| Tennessee | $74 | $149 |
| Texas | $121 | $246 |
| Utah | $103 | $174 |
| Vermont | $42 | $99 |
| Virginia | $89 | $144 |
| Washington | $86 | $159 |
| West Virginia | $81 | $165 |
| Wisconsin | $61 | $133 |
| Wyoming | $33 | $101 |
Jeep Grand Cherokee Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, extensively affects Jeep Grand Cherokee insurance pricing. Monthly rates reach $350 for Young Drivers under 25 without violations but drop to just $138 for Adult Drivers between 26-64 with clean records.
| Adult Drivers | $94 | $182 |
| Young Drivers | $240 | $460 |
| Senior Drivers | $126 | $231 |
| Drivers With a Speeding Ticket | $117 | $229 |
| Drivers With an Accident | $138 | $267 |
| Drivers With a DUI | $173 | $332 |
| Drivers With Bad Credit | $223 | $450 |
Is a Jeep Grand Cherokee Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Jeep Grand Cherokee ranks 423rd out of 827. Among midsize SUVs, the model ranks on the more expensive side compared to similar vehicles.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Jeep Car Insurance Costs
Several factors affect what you'll pay for Jeep Grand Cherokee insurance:
- Age (median 45 years old): Middle-aged professionals receive lower rates than younger buyers.
- Gender (60% male, 40% female): Balanced ownership with slight male preference affecting risk profiles.
- Income ($125,000 to $175,000): Higher credit scores reduce premiums, though wealth enables riskier luxury vehicle purchases.
- Education (70% college graduates): Higher education correlates with safer driving behaviors.
Average Repair or Replacement Costs
Jeep ranks 15th in repair affordability among 59 U.S. automakers with median annual costs of $821. Jeep Grand Cherokee repair costs average $978 annually, making it Jeep's second most expensive model to repair.
Vehicle Trim, Features and Accessories
The Jeep Grand Cherokee's premium capabilities (293 horsepower V6 engine) and luxury features across nine trim levels increase insurance premiums.
Higher trim levels like Summit Reserve with Palermo leather, 19-speaker McIntosh sound system and Overland with Quadra-Lift air suspension cost more to insure due to expensive replacement parts and specialized technology.
Fuel Type
Jeep Grand Cherokee models run on regular gasoline with premium V6 and available V8 engines instead of basic powertrains. Most shops can work on Grand Cherokees. The ones that specialize charge more because they need advanced tools and training for complex systems.
Grand Cherokee parts cost more than economy car parts. Insurance companies know this, charging Grand Cherokee owners higher rates to cover these expensive repair costs.
Location
Similar to other Jeep models, Jeep Grand Cherokee owners are concentrated in states with an outdoor recreation culture. It is most popular by total registrations in New York, Texas, and California.
Location affects rates through state regulations, weather risks, crime rates and accident statistics. Premium SUV theft rates and specialized repair requirements in certain regions increase insurance costs.
Driver Profile
Most Jeep Grand Cherokee drivers are middle-aged (median age 45) with household incomes of $125,000 to $175,000. This demographic receives moderate rates due to stable credit scores.
Driver demographics affect Jeep Grand Cherokee rates:
Cheapest Jeep Grand Cherokee Insurance Companies
Grand Cherokee drivers can find the most affordable full coverage car insurance through GEICO at $148 monthly. GEICO also offers the cheapest minimum coverage for Grand Cherokee owners at just $69 per month.
| GEICO | $69 | $148 |
| Travelers | $83 | $152 |
| Progressive | $93 | $174 |
| State Farm | $88 | $183 |
| Nationwide | $102 | $176 |
Cheapest Jeep Grand Cherokee Insurance by State
We found that these are the top three most affordable car insurance providers for a Jeep Grand Cherokee:
- GEICO: Most affordable in 14 states
- Auto-Owners: Most affordable in eight states
- Travelers: Most affordable in seven states
You can filter below to see which company offers the cheapest auto insurance rates for your Jeep Grand Cherokee.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $41 |
How to Get the Best Cheap Jeep Grand Cherokee Insurance
We outline the top car insurance discounts available for your Jeep Grand Cherokee:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Jeep's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Jeep Grand Cherokee, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Jeep Grand Cherokee owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): With Grand Cherokee owners having a median household income of $128,198 and 80% homeownership rates, bundling auto and home insurance provides substantial savings. This affluent demographic typically maintains multiple insurance policies, making bundling discounts highly accessible.
- Good Driver/Safe Driver Discount (5% to 30% savings): Grand Cherokee buyers prioritize reliability and safety, with the median age of 45 reflecting mature, experienced drivers. This stability-focused demographic typically maintains clean driving records, qualifying for safe driver discounts from most insurers.
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): With 80% of Grand Cherokee owners married and 35% having children, multi-vehicle households are common. Many families in this income bracket manage multiple vehicles, making this discount readily available from virtually all insurers.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Grand Cherokee comes standard with modern safety technology, including electronic stability control, multiple airbags, and available advanced driver assistance systems. These built-in safety features help qualify for equipment-based discounts across major insurance companies.
- Professional/Employer Group Discount (5% to 15% savings): With 70% of Grand Cherokee owners being college graduates and having high median incomes, many work for large corporations or professional organizations that offer group insurance discounts. Check if your employer or professional association provides special rates.
- 5
Consider alternative car insurance types
Jeep Grand Cherokee owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Jeep Grand Cherokee insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Jeep Grand Cherokee Insurance Cost: Bottom Line
Insuring a Jeep Grand Cherokee costs about average, and you can find cheap rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Jeep Grand Cherokee Insurance Rates: FAQ
Here are answers to common questions about insuring a Jeep Grand Cherokee.
What is the average cost of car insurance for a Jeep Grand Cherokee?
The Jeep Grand Cherokee's average annual insurance cost is $1,128 for state minimum and $2,187 for full coverage.
What company has the cheapest car insurance for a Jeep Grand Cherokee?
Grand Cherokee drivers can find the most affordable full coverage car insurance through GEICO at $148 monthly. GEICO also offers the cheapest minimum coverage for Grand Cherokee owners at just $69 per month.
Are Jeep Grand Cherokees expensive to insure?
The Jeep Grand Cherokee insurance costs are about average compared to other cars. Out of 827 vehicles we track, the Grand Cherokee ranks 423rd for affordability.
What factors affect insurance costs for Jeep Grand Cherokees?
Several things drive up your Jeep Grand Cherokee rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Jeep Grand Cherokee insurance costs?
Shop around with multiple insurers as rates vary for Jeeps, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Jeep Grand Cherokee Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Jeep Grand Cherokee insurance costs.
Who We Based These Rates On
These Jeep Grand Cherokee prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.