Insurance premiums for a Jeep Grand Cherokee average $182 monthly for full coverage and $94 for minimum coverage. Your specific trim and model year determine where you'll fall within the $57 to $392 monthly range.
Jeep Grand Cherokee Insurance Cost
Key Takeaways
GEICO offers the most affordable Jeep Grand Cherokee insurance at $1,782 for full coverage, though rates vary widely by insurer, with National General providing competitive monthly rates starting at $66. Read more.
Among SUVs, the Grand Cherokee ranks 110th out of 256 for insurance affordability. SUVs generally carry higher insurance costs than sedans. Read more.
Your Grand Cherokee's specific model year impacts insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Grand Cherokee model years, depending on the age of the drivers.
How Much Is Jeep Grand Cherokee Insurance?
| Jeep Grand Cherokee | $94 | $182 |
Looking for another Jeep model? Read more about the cost of Jeep car insurance models.
Your Jeep Grand Cherokee's insurance costs range from $57 monthly for older models to $232 for the newest ones. Like other vehicles, newer Grand Cherokees cost more to insure because they're worth more money.
Insurance costs for a Jeep Grand Cherokee depend on model year and company. Full coverage goes from $148 monthly with GEICO to $345 with AIG, while minimum coverage ranges from $69 with GEICO to $163 with UAIC.
There's a $94 gap on minimum coverage and a $197 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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 |
Is Jeep Grand Cherokee Expensive to Insure?
The Jeep Grand Cherokee ranks 110th for affordability among 256 SUVs in MoneyGeek's database. It costs a few dollars more a month than a Subaru Ascent and a few dollars less than a Toyota bZ4X.
Across all 827 models in the database, the Grand Cherokee ranks 423rd, which is close to average for all vehicle types. The Isuzu Amigo is the cheapest SUV to insure, and the Audi SQ8 e-tron is the most expensive.
| Buick Envista | $138 | 107 |
| BMW X5 | $138 | 108 |
| Subaru Ascent | $138 | 109 |
| Jeep Grand Cherokee | $138 | 110 |
| Mercedes R-Class | $139 | 111 |
| Buick Encore | $139 | 111 |
| Toyota bZ4X | $139 | 111 |
| Infiniti QX30 | $139 | 112 |
| Mazda CX-70 | $139 | 113 |
Several factors affect what you'll pay for Jeep Grand Cherokee insurance:
- Average repair costs. The Jeep Grand Cherokee averages $978 a year in repair costs, so it's second lowest among Jeep models. That below-average figure for a mid-size SUV helps hold premiums down relative to comparable vehicles.
- Trim, features and accessories. The Grand Cherokee's power output ranges from 293 to 707 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Grand Cherokee owners tend to fall between ages 45 and 55, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Jeep Grand Cherokees for young drivers.
Jeep Grand Cherokee Costs by Model Year and Driver Age by Insurance Company
Model year affects your Jeep Grand Cherokee insurance costs, along with driver age affecting premiums. Full coverage for a 35- to 55-year-old driver costs $246 monthly for a 2025 Grand Cherokee compared to $245 for a 2016 model, showing surprisingly little difference between new and old. Young drivers in their teens and early twenties will face much higher rates across all model years.
Savings opportunities exist when you shop between different insurers for your Grand Cherokee coverage.
• 2025 Jeep Grand Cherokee Insurance Rates
• 2024 Jeep Grand Cherokee Insurance Rates
• 2023 Jeep Grand Cherokee Insurance Rates
• 2022 Jeep Grand Cherokee Insurance Rates
• 2021 Jeep Grand Cherokee Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Jeep Grand Cherokee
| Geico | $84 | $183 |
| National General | $87 | $179 |
| Travelers | $100 | $184 |
| State Farm | $104 | $217 |
| Progressive | $104 | $194 |
| Nationwide | $111 | $192 |
| Kemper | $115 | $230 |
| AAA | $128 | $265 |
| Amica | $132 | $269 |
| The Hartford | $137 | $233 |
| Allstate | $147 | $284 |
| Chubb | $157 | $310 |
| AIG | $158 | $397 |
| Farmers | $179 | $317 |
| UAIC | $185 | $234 |
2025 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $814 | $716 | $634 | $547 | $483 | $411 | $373 | $333 | $305 | $268 |
| Nationwide | $874 | $800 | $737 | $625 | $528 | $342 | $317 | $296 | $280 | $250 |
| Geico | $1,044 | $761 | $640 | $465 | $399 | $323 | $297 | $245 | $232 | $211 |
| Travelers | $1,106 | $796 | $628 | $484 | $427 | $315 | $288 | $265 | $245 | $212 |
| Allstate | $1,351 | $1,057 | $853 | $632 | $565 | $441 | $400 | $378 | $356 | $315 |
| Progressive | $1,415 | $1,142 | $947 | $527 | $459 | $371 | $330 | $295 | $271 | $233 |
| Farmers | $1,992 | $1,476 | $1,313 | $812 | $766 | $583 | $520 | $497 | $472 | $396 |
Cost of Car Insurance for 2024 Jeep Grand Cherokee
| Geico | $85 | $185 |
| National General | $88 | $180 |
| Travelers | $101 | $186 |
| State Farm | $104 | $218 |
| Progressive | $105 | $196 |
| Nationwide | $112 | $194 |
| Kemper | $115 | $231 |
| AAA | $129 | $267 |
| Amica | $132 | $271 |
| The Hartford | $138 | $235 |
| Allstate | $148 | $286 |
| Chubb | $158 | $312 |
| AIG | $159 | $400 |
| Farmers | $180 | $319 |
| UAIC | $186 | $236 |
2024 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $820 | $721 | $638 | $551 | $486 | $413 | $376 | $336 | $307 | $270 |
| Nationwide | $880 | $806 | $742 | $629 | $532 | $345 | $320 | $298 | $282 | $252 |
| Geico | $1,051 | $766 | $644 | $468 | $402 | $325 | $299 | $247 | $234 | $212 |
| Travelers | $1,114 | $801 | $632 | $488 | $430 | $317 | $290 | $267 | $247 | $214 |
| Allstate | $1,360 | $1,064 | $859 | $636 | $569 | $444 | $403 | $380 | $359 | $317 |
| Progressive | $1,424 | $1,150 | $954 | $530 | $463 | $373 | $333 | $297 | $273 | $235 |
| Farmers | $2,005 | $1,486 | $1,322 | $817 | $771 | $587 | $524 | $500 | $476 | $399 |
Cost of Car Insurance for 2023 Jeep Grand Cherokee
| Geico | $62 | $136 |
| National General | $64 | $132 |
| Travelers | $74 | $136 |
| State Farm | $77 | $160 |
| Progressive | $77 | $144 |
| Nationwide | $82 | $142 |
| Kemper | $85 | $170 |
| AAA | $95 | $196 |
| Amica | $97 | $199 |
| The Hartford | $101 | $173 |
| Allstate | $109 | $210 |
| Chubb | $116 | $229 |
| AIG | $117 | $293 |
| Farmers | $132 | $235 |
| UAIC | $137 | $173 |
2023 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $602 | $530 | $469 | $405 | $357 | $304 | $276 | $246 | $225 | $199 |
| Nationwide | $647 | $592 | $545 | $462 | $390 | $253 | $235 | $219 | $207 | $185 |
| Geico | $772 | $563 | $473 | $344 | $295 | $239 | $220 | $182 | $172 | $156 |
| Travelers | $818 | $588 | $465 | $358 | $316 | $233 | $213 | $196 | $181 | $157 |
| Allstate | $999 | $782 | $631 | $467 | $418 | $326 | $296 | $279 | $263 | $233 |
| Progressive | $1,046 | $845 | $700 | $389 | $340 | $274 | $244 | $218 | $201 | $172 |
| Farmers | $1,473 | $1,092 | $971 | $600 | $566 | $431 | $385 | $367 | $349 | $293 |
Cost of Car Insurance for 2022 Jeep Grand Cherokee
| National General | $83 | $170 |
| Geico | $84 | $182 |
| Travelers | $96 | $176 |
| Progressive | $107 | $200 |
| State Farm | $108 | $225 |
| Nationwide | $115 | $199 |
| AAA | $124 | $257 |
| Kemper | $128 | $254 |
| Amica | $128 | $263 |
| The Hartford | $133 | $227 |
| Allstate | $143 | $277 |
| Farmers | $155 | $274 |
| AIG | $164 | $419 |
| Chubb | $172 | $339 |
| UAIC | $187 | $237 |
2022 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $849 | $747 | $660 | $571 | $504 | $428 | $389 | $347 | $317 | $279 |
| Nationwide | $904 | $827 | $762 | $646 | $546 | $354 | $328 | $306 | $289 | $259 |
| Geico | $1,035 | $755 | $634 | $460 | $396 | $320 | $295 | $244 | $230 | $209 |
| Travelers | $1,059 | $759 | $598 | $460 | $405 | $301 | $274 | $253 | $233 | $203 |
| Allstate | $1,321 | $1,035 | $834 | $616 | $552 | $430 | $391 | $369 | $348 | $308 |
| Progressive | $1,460 | $1,178 | $977 | $543 | $474 | $383 | $341 | $304 | $279 | $240 |
| Farmers | $1,692 | $1,253 | $1,116 | $697 | $658 | $501 | $446 | $427 | $406 | $342 |
Cost of Car Insurance for 2021 Jeep Grand Cherokee
| National General | $89 | $182 |
| Geico | $90 | $195 |
| Travelers | $103 | $189 |
| Progressive | $114 | $214 |
| State Farm | $116 | $241 |
| Nationwide | $123 | $213 |
| AAA | $133 | $275 |
| Kemper | $137 | $272 |
| Amica | $137 | $281 |
| The Hartford | $142 | $243 |
| Allstate | $153 | $296 |
| Farmers | $166 | $293 |
| AIG | $175 | $448 |
| Chubb | $184 | $362 |
| UAIC | $200 | $253 |
2021 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $908 | $799 | $707 | $611 | $539 | $458 | $416 | $371 | $339 | $299 |
| Nationwide | $967 | $885 | $815 | $691 | $584 | $379 | $351 | $327 | $309 | $277 |
| Geico | $1,108 | $808 | $678 | $492 | $424 | $342 | $315 | $261 | $247 | $224 |
| Travelers | $1,133 | $811 | $639 | $492 | $433 | $321 | $293 | $271 | $249 | $217 |
| Allstate | $1,413 | $1,107 | $892 | $659 | $590 | $461 | $418 | $395 | $372 | $329 |
| Progressive | $1,562 | $1,261 | $1,045 | $581 | $507 | $409 | $364 | $325 | $299 | $256 |
| Farmers | $1,810 | $1,341 | $1,194 | $746 | $704 | $535 | $477 | $457 | $434 | $365 |
Cost of Car Insurance for 2020 Jeep Grand Cherokee
| National General | $75 | $153 |
| Geico | $76 | $165 |
| Travelers | $87 | $159 |
| Progressive | $96 | $180 |
| State Farm | $97 | $203 |
| Nationwide | $104 | $179 |
| AAA | $112 | $232 |
| Kemper | $115 | $229 |
| Amica | $116 | $237 |
| The Hartford | $120 | $204 |
| Allstate | $129 | $250 |
| Farmers | $140 | $247 |
| AIG | $148 | $378 |
| Chubb | $155 | $305 |
| UAIC | $168 | $213 |
2020 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $765 | $673 | $595 | $514 | $454 | $386 | $351 | $313 | $286 | $252 |
| Nationwide | $815 | $746 | $687 | $583 | $492 | $319 | $296 | $276 | $261 | $233 |
| Geico | $933 | $681 | $572 | $415 | $357 | $288 | $266 | $220 | $208 | $189 |
| Travelers | $954 | $684 | $539 | $415 | $365 | $271 | $247 | $228 | $210 | $183 |
| Allstate | $1,191 | $933 | $752 | $556 | $497 | $388 | $352 | $333 | $314 | $277 |
| Progressive | $1,317 | $1,062 | $880 | $490 | $427 | $345 | $307 | $274 | $252 | $216 |
| Farmers | $1,526 | $1,130 | $1,006 | $629 | $593 | $451 | $402 | $385 | $366 | $308 |
Cost of Car Insurance for 2019 Jeep Grand Cherokee
| National General | $66 | $135 |
| Geico | $67 | $145 |
| Travelers | $77 | $140 |
| Progressive | $85 | $159 |
| State Farm | $86 | $179 |
| Nationwide | $92 | $158 |
| AAA | $99 | $204 |
| Kemper | $102 | $202 |
| Amica | $102 | $209 |
| The Hartford | $106 | $180 |
| Allstate | $114 | $221 |
| Farmers | $124 | $218 |
| AIG | $130 | $333 |
| Chubb | $137 | $270 |
| UAIC | $149 | $188 |
2019 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $675 | $594 | $526 | $454 | $401 | $341 | $310 | $276 | $253 | $222 |
| Nationwide | $720 | $658 | $606 | $514 | $435 | $282 | $261 | $244 | $230 | $206 |
| Geico | $824 | $601 | $505 | $366 | $315 | $255 | $235 | $194 | $183 | $167 |
| Travelers | $843 | $604 | $476 | $366 | $323 | $239 | $218 | $201 | $186 | $162 |
| Allstate | $1,051 | $823 | $664 | $491 | $439 | $343 | $311 | $294 | $277 | $245 |
| Progressive | $1,162 | $938 | $777 | $433 | $377 | $304 | $271 | $242 | $222 | $191 |
| Farmers | $1,347 | $998 | $889 | $555 | $524 | $398 | $355 | $340 | $323 | $272 |
Cost of Car Insurance for 2018 Jeep Grand Cherokee
| Geico | $58 | $126 |
| National General | $69 | $142 |
| Travelers | $74 | $136 |
| State Farm | $79 | $164 |
| Progressive | $82 | $153 |
| Kemper | $88 | $177 |
| Nationwide | $91 | $158 |
| AAA | $97 | $201 |
| The Hartford | $104 | $178 |
| Allstate | $106 | $206 |
| Amica | $107 | $218 |
| Farmers | $121 | $214 |
| AIG | $132 | $336 |
| Chubb | $135 | $268 |
| UAIC | $138 | $173 |
2018 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $618 | $544 | $481 | $415 | $367 | $312 | $283 | $253 | $231 | $204 |
| Geico | $716 | $522 | $438 | $318 | $274 | $221 | $204 | $168 | $159 | $145 |
| Nationwide | $718 | $657 | $605 | $513 | $434 | $281 | $261 | $243 | $230 | $206 |
| Travelers | $821 | $589 | $465 | $358 | $316 | $232 | $212 | $195 | $181 | $156 |
| Allstate | $982 | $769 | $620 | $457 | $409 | $320 | $290 | $274 | $258 | $228 |
| Progressive | $1,118 | $902 | $748 | $417 | $364 | $293 | $261 | $233 | $215 | $184 |
| Farmers | $1,323 | $981 | $874 | $546 | $516 | $392 | $349 | $334 | $318 | $267 |
Cost of Car Insurance for 2017 Jeep Grand Cherokee
| Geico | $61 | $131 |
| National General | $67 | $137 |
| Travelers | $75 | $138 |
| State Farm | $83 | $171 |
| Progressive | $86 | $161 |
| Kemper | $93 | $186 |
| AAA | $98 | $203 |
| Nationwide | $98 | $170 |
| Amica | $105 | $214 |
| Allstate | $107 | $207 |
| The Hartford | $111 | $189 |
| Farmers | $121 | $213 |
| AIG | $135 | $343 |
| Chubb | $137 | $269 |
| UAIC | $145 | $182 |
2017 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $644 | $567 | $502 | $433 | $382 | $325 | $295 | $264 | $241 | $212 |
| Geico | $744 | $542 | $455 | $330 | $284 | $230 | $211 | $175 | $166 | $150 |
| Nationwide | $773 | $707 | $651 | $553 | $467 | $302 | $280 | $262 | $247 | $221 |
| Travelers | $836 | $599 | $472 | $364 | $320 | $236 | $215 | $199 | $183 | $159 |
| Allstate | $990 | $776 | $624 | $459 | $412 | $321 | $292 | $275 | $259 | $230 |
| Progressive | $1,172 | $945 | $783 | $436 | $381 | $307 | $274 | $244 | $225 | $193 |
| Farmers | $1,318 | $977 | $871 | $544 | $514 | $391 | $348 | $333 | $317 | $266 |
Cost of Car Insurance for 2016 Jeep Grand Cherokee
| National General | $77 | $157 |
| Geico | $82 | $177 |
| Travelers | $96 | $176 |
| State Farm | $108 | $226 |
| Progressive | $114 | $213 |
| AAA | $122 | $252 |
| Amica | $124 | $253 |
| Nationwide | $128 | $221 |
| Kemper | $128 | $259 |
| The Hartford | $132 | $226 |
| Allstate | $135 | $259 |
| Farmers | $152 | $266 |
| Chubb | $166 | $323 |
| AIG | $169 | $427 |
| UAIC | $189 | $234 |
2016 Jeep Grand Cherokee Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $849 | $747 | $661 | $571 | $504 | $428 | $389 | $347 | $317 | $279 |
| Geico | $998 | $726 | $610 | $443 | $382 | $308 | $284 | $235 | $222 | $202 |
| Nationwide | $1,004 | $920 | $847 | $719 | $607 | $393 | $364 | $340 | $321 | $287 |
| Travelers | $1,063 | $762 | $600 | $462 | $407 | $300 | $274 | $252 | $233 | $202 |
| Allstate | $1,248 | $978 | $784 | $575 | $516 | $403 | $365 | $345 | $325 | $287 |
| Progressive | $1,555 | $1,253 | $1,038 | $578 | $504 | $407 | $363 | $323 | $297 | $255 |
| Farmers | $1,643 | $1,219 | $1,087 | $680 | $642 | $488 | $435 | $416 | $395 | $333 |
Jeep Grand Cherokee Insurance Cost by Trim
Insurance costs for your Jeep Grand Cherokee vary by trim, from $392 monthly for full coverage on high-performance Trackhawk Sport Utility 4d variants down to $68 for minimum coverage on basic Laredo A Sport Utility 4d models. Performance features and market value determine where each trim falls in this range.
| 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 |
Does Upgrading Your Trim Increase Jeep Grand Cherokee Insurance Costs?
Most Grand Cherokee trim upgrades are predictable and graduated — moving from the base Laredo through the Limited, Altitude, Summit, and Overland trims adds cost steadily, topping out around $170 more per month and $2,040 more per year than the base.Â
The Trackhawk is a different vehicle entirely. At $259 more per month than the Laredo for full coverage and $3,108 more per year, it carries insurance costs closer to a high-end sports car than a family SUV. That's worth genuinely considering for anyone comparing it against the Summit Reserve.
Jeep Grand Cherokee Insurance Cost by State
Car insurance for a Jeep Grand Cherokee ranges from $33 monthly in Wyoming to $185 in Louisiana for minimum coverage, depending on where you're located.
| 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 |
How to Lower the Cost of Jeep Grand Cherokee Insurance
These steps cut Jeep Grand Cherokee insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the Grand Cherokee. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Grand Cherokee drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings.
Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Discover car insurance discounts that apply to your situation. Jeep Grand Cherokee owners often get safety features discounts for advanced driver assistance systems, good driver discounts for clean records, bundling savings when combining auto and home policies, and anti-theft device discounts for factory security systems.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Grand Cherokee drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Jeep Grand Cherokee Insurance Cost: Bottom Line
Jeep Grand Cherokee insurance runs average in cost, though you can still secure decent rates. Compare quotes from multiple insurers and maximize discounts to find your best coverage deal.
Jeep Grand Cherokee Insurance Rates: FAQ
What is the average cost of car insurance for a Jeep Grand Cherokee?
Jeep Grand Cherokee insurance costs average $1,128 annually for state minimum coverage and $2,187 for full coverage. Monthly premiums run about $94 for minimum and $182 for comprehensive protection.
What company has the cheapest car insurance for a Jeep Grand Cherokee?
GEICO provides the most affordable auto insurance for a Jeep Grand Cherokee, offering minimum coverage at $823 annually. For comprehensive protection, GEICO also delivers the best value with full coverage policies priced at $1,782 per year.
Are Jeep Grand Cherokees expensive to insure?
No, Jeep Grand Cherokee insurance is not more expensive than most vehicles. Among SUVs specifically, this model places 110th out of 256 for affordability. Out of 827 vehicles we track, the Grand Cherokee ranks 423rd for insurance costs.
What factors affect insurance costs for Jeep Grand Cherokees?
Driving record, credit score and coverage level are the primary variables. On the vehicle side, the Grand Cherokee's $978 average annual repair cost is low for a mid-size SUV, but above-average theft rates for popular models push premiums up. Standard advanced safety features partially offset the theft factor.
How can I lower Jeep Grand Cherokee insurance costs?
Start with quotes from at least three insurers because there's a $197 full coverage difference between providers. Stack every discount you qualify for: safety feature credits, good driver discounts and bundling home and auto are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Jeep Grand Cherokee Insurance Costs
Jeep Grand Cherokee cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!