Compare the Cost of Jeep Grand Cherokee Insurance by Model Year and Company

Jeep Grand Cherokee insurance costs can differ based on the driver's age. For instance, a 40-year-old driver will pay $1,275 to insure a 2009 Jeep Grand Cherokee, while a 16-year-old driver will pay $5,989 for the same vehicle. Similarly, a 2022 Jeep Grand Cherokee will cost a 40-year-old driver $1,532 to insure, but a 16-year-old driver can expect to pay $6,978 for coverage.

MoneyGeek has also evaluated the best car insurance companies based on their ability to offer affordable rates while providing excellent customer service and efficient claims processing.

On average, insuring a Jeep Grand Cherokee costs approximately $1,418 annually, but the price can vary significantly depending on which insurance provider you choose. State Farm offers the most affordable full coverage policy for the Jeep Grand Cherokee, costing $1,091 per year, while Farmers is the most expensive, charging $1,699 annually.

State Farm is also the cheapest option, at an annual average rate of $490, whereas Farmers is still the most expensive, charging $840. We recommend conducting your own research, shopping around and comparing rates from a few different providers to find the cheapest car insurance.

Jeep Grand Cherokee insurance costs are impacted by various factors, including the driver's age, driving history, credit score, location and the specific year and model of the vehicle. Compared to other makes and models, the Jeep Grand Cherokee, which has an MSRP of $39,485, is considered moderately expensive to insure.

Certain vehicle models may incur higher insurance costs due to factors such as their higher value, repair expenses or theft rates. Insurance companies consider these aspects when calculating premiums, as cars that are less expensive to repair or have lower theft rates tend to be associated with lower insurance costs.

While choosing an affordable policy is beneficial, the best car insurance companies provide exceptional customer service and hassle-free claims processing. The following are the best Jeep Grand Cherokee insurance providers:

• State Farm: MoneyGeek score of 90 out of 100 ($1,091 per year)
• GEICO: MoneyGeek score of 88 out of 100 ($1,205 per year)

Out of the seven insurers analyzed, State Farm is the most cost-effective provider with a solid reputation for exceptional customer satisfaction, making it an ideal choice for Jeep Grand Cherokee owners seeking dependable coverage.

The average annual premium for insuring a 2022 Jeep Grand Cherokee is $1,532, whereas a 2009 model incurs a premium of $1,275, resulting in a difference of $257. This variation in the average cost of car insurance is likely due to the newer model's higher value and the inclusion of advanced technology and safety features that may lead to increased repair expenses after an accident. Additionally, newer vehicles tend to have higher insurance rates due to higher theft risk.

Insurance rates can vary based on the insurance company and the vehicle's model year. State Farm offers the most affordable full coverage insurance policies for both the 2009 and 2022 models, with rates of $953 and $1,229 per year, respectively. We recommend obtaining quotes from multiple insurers to guarantee you get the best possible rate for your specific circumstances.

Younger drivers, particularly teenagers and those in their 20s, face much higher car insurance rates than adults aged 30 and above. Younger drivers are considered more likely to get into accidents and file claims. For example, the average Jeep Grand Cherokee insurance costs for 16-year-old drivers is $6,376 per year, which is significantly higher than the average cost of $1,376 per year for a 40-year-old driver with the same car. While teen car insurance rates decrease as they age, they tend to level off in their 20s.

Including a teen driver on a family insurance plan is usually less expensive than buying them individual coverage. If you have a 2022 Jeep Grand Cherokee, State Farm has the most affordable individual plan for a 16-year-old at $3,939 per year, while Farmers charges the highest rate at $9,697 per year. Compare rates from various insurers to find the best coverage at the lowest price point.

The type of car, model year and driver's age impact Jeep Grand Cherokee insurance costs, but your location plays a crucial role. The most affordable car insurance provider varies depending on the state, with average premiums ranging from the lowest $299 per year in Idaho to the highest $1,058 per year in Florida. If you're looking for insurance for your Jeep Grand Cherokee, we advise comparing quotes from the least expensive insurers in your state.

To help you search for the best Jeep Grand Cherokee insurance provider, we have compiled answers to some frequently asked questions regarding insurance costs and coverage options.