Full coverage insurance for a Jeep Grand Cherokee ranges from $1,043 annually with USAA to $5,976 for young drivers. Rates depend on model year, driver age, location, driving record, coverage level and insurer. This article outlines the costs and highlights the most affordable providers.
Jeep Grand Cherokee Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Jeep Grand Cherokee model years, averaging $490 annually.
For a Jeep Grand Cherokee, the average annual cost is $653 for minimum coverage and $1,360 for full coverage.
MoneyGeek analyzed 4,183 quotes for the Jeep Grand Cherokee using data from Quadrant Information Services to ensure accurate estimates.
Jeep Grand Cherokee Insurance Rates
What Is the Average Jeep Grand Cherokee Car Insurance Cost?
Insuring a Jeep Grand Cherokee with full coverage costs about $113 per month or $1,360 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $54 monthly or $653 annually.
| Minimum Coverage | $653 |
| Full Coverage | $1,360 |
Read more: Average Cost of Car Insurance
Jeep Grand Cherokee Insurance Costs by Company
Jeep Grand Cherokee insurance costs range from $1,071 to $1,873 annually, depending on age, model year and coverage level. The table below shows how these rates compare to averages for all vehicles from national and midsize providers.
| Allstate | $1,466 | $1,813 | -19% |
| Auto-Owners | $1,089 | $1,228 | -11% |
| Farmers | $1,762 | $1,956 | -10% |
| GEICO | $1,223 | $1,332 | -8% |
| Kemper | $1,873 | $2,214 | -15% |
| Nationwide | $1,405 | $1,589 | -12% |
| Progressive | $1,630 | $1,743 | -6% |
| State Farm | $1,128 | $1,270 | -11% |
| Travelers | $1,375 | $1,522 | -10% |
| USAA | $1,071 | $1,200 | -11% |
Read more: Best Car Insurance Companies
Cost of Insuring a Jeep Grand Cherokee by Model Year
Your Jeep Grand Cherokee's production year can impact insurance rates, with older models often costing less. For example, a 2022 model has a full coverage rate of $1,521, while a 2009 model is $1,246. Below are the average full and minimum coverage rates for each production year.
| 2022 | $652 | $1,521 |
| 2021 | $655 | $1,486 |
| 2020 | $636 | $1,468 |
| 2019 | $667 | $1,457 |
| 2018 | $672 | $1,438 |
| 2017 | $648 | $1,411 |
| 2016 | $674 | $1,383 |
| 2015 | $674 | $1,355 |
| 2014 | $650 | $1,330 |
| 2013 | $675 | $1,304 |
| 2012 | $675 | $1,278 |
| 2011 | $656 | $1,268 |
| 2010 | $687 | $1,257 |
| 2009 | $691 | $1,246 |
Jeep Grand Cherokee Insurance Costs by Driver Age
Jeep Grand Cherokee insurance rates vary significantly depending on the driver's age. For example, 16-year-olds pay an average of $5,976 annually for full coverage, while 40-year-olds pay about $1,372. Below are the average minimum and full coverage rates for different ages.
| 16 | $3,084 | $5,976 |
| 17 | $2,500 | $4,862 |
| 18 | $2,182 | $4,281 |
| 19 | $1,546 | $3,038 |
| 20 | $1,388 | $2,763 |
| 21 | $1,096 | $2,224 |
| 22 | $999 | $2,044 |
| 23 | $927 | $1,908 |
| 24 | $879 | $1,816 |
| 25 | $781 | $1,626 |
| 26 | $758 | $1,573 |
| 27 | $740 | $1,538 |
| 28 | $728 | $1,515 |
| 29 | $717 | $1,495 |
| 30 | $692 | $1,442 |
| 35 | $673 | $1,397 |
| 40 | $665 | $1,372 |
| 45 | $660 | $1,354 |
| 50 | $643 | $1,313 |
| 55 | $627 | $1,277 |
| 60 | $627 | $1,273 |
| 65 | $668 | $1,333 |
| 70 | $726 | $1,426 |
| 75 | $807 | $1,564 |
| 80 | $915 | $1,741 |
| 85 | $989 | $1,866 |
| 90 | $1,044 | $1,954 |
Jeep Grand Cherokee Insurance Rates Explained
Several factors influence car insurance rates, including your driver profile and vehicle-specific characteristics. Below are key vehicle-related cost factors, such as make, model, age, safety features and theft rates.
Jeep Grand Cherokee Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Jeep Grand Cherokee
Average Full Coverage Rate
$1,360Premiums for Jeep Grand Cherokee are:$64 more
This is 5% more expensive.
Value
The Jeep Grand Cherokee's $68,835 MSRP classifies it as an SUV, with its high price contributing to increased insurance premiums.
Repair costs
The Jeep Grand Cherokee's annual repair cost of $520 is below the national average, potentially lowering insurance premiums due to cheaper and easier repairs.
Performance
With 293 horsepower and a 0-to-60 time of 5.3 seconds, the Jeep Grand Cherokee's moderate performance metrics may result in reasonable insurance costs, as high performance is often linked to increased risk.
Vehicle age
Newer Jeep Grand Cherokees are typically more expensive to insure than older ones. However, collector models can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Jeep Grand Cherokee for insurance discounts.
Vehicle size
Larger vehicles like the Jeep Grand Cherokee, with a curb weight of 4,784 lbs, may cost more to insure due to potential property damage.
Trim level
Higher trim levels with premium features often increase the Jeep Grand Cherokee's MSRP, resulting in higher insurance costs than the base model.
Theft rates
The Jeep Grand Cherokee's theft relative claims frequency of 49 may lead to higher insurance premiums due to the increased risk of theft.
Cheapest Jeep Grand Cherokee Insurance
State Farm offers the cheapest minimum coverage for a Jeep Grand Cherokee at $490 annually, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Jeep Grand Cherokee Insurance by Coverage Level
The coverage level you select greatly influences your Jeep Grand Cherokee insurance rate. State Farm provides the most affordable minimum and full coverage options. Below is a breakdown of the cheapest providers for both types.
Cheapest Jeep Grand Cherokee Minimum Coverage
State Farm offers the cheapest minimum coverage for a Jeep Grand Cherokee at $41 monthly. GEICO, Travelers and Allstate also provide competitive rates, ranging from $47 to $57.
| USAA | $39 | $463 |
| State Farm | $41 | $490 |
| GEICO | $47 | $559 |
| Travelers | $53 | $641 |
| Allstate | $57 | $686 |
| Progressive | $61 | $727 |
| Nationwide | $62 | $749 |
| Farmers | $67 | $800 |
*State Farm offers non-military-affiliated Jeep Grand Cherokee owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Jeep Grand Cherokee Insurance Rates by Model Year
The above list doesn't consider your Jeep Grand Cherokee's production year, which could mean lower rates for older models. To find the cheapest minimum coverage rates for your model year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $696 | $58 |
| Farmers | $846 | $71 |
| GEICO | $575 | $48 |
| Nationwide | $807 | $67 |
| Progressive | $786 | $66 |
| State Farm | $497 | $41 |
| Travelers | $726 | $61 |
| USAA | $465 | $39 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Jeep Grand Cherokee Insurance
State Farm offers the lowest full coverage rates for a Jeep Grand Cherokee, averaging $1,094 annually or $91 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $87 | $1,043 |
| State Farm | $91 | $1,094 |
| GEICO | $100 | $1,196 |
| Nationwide | $112 | $1,340 |
| Travelers | $114 | $1,365 |
| Allstate | $117 | $1,409 |
| Progressive | $130 | $1,561 |
| Farmers | $138 | $1,660 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Jeep Grand Cherokee owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Jeep Grand Cherokee Insurance by Age
Young drivers aged 16 to 25 and seniors aged 55 and up often pay more for Jeep Grand Cherokee insurance. Below is a breakdown of the cheapest options by age.
Cheapest Jeep Grand Cherokee Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers at $90 monthly or $1,076 annually for minimum coverage. Below is the complete list of affordable rates for Jeep Grand Cherokee drivers aged 16 to 25.
| USAA | $81 | $968 |
| State Farm | $90 | $1,076 |
| GEICO | $113 | $1,359 |
| Travelers | $113 | $1,361 |
| Allstate | $134 | $1,606 |
| Nationwide | $167 | $2,003 |
| Progressive | $171 | $2,049 |
| Farmers | $181 | $2,177 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Jeep Grand Cherokee Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $540 annually. See the full list of affordable Jeep Grand Cherokee insurers below.
| State Farm | $45 | $540 |
| USAA | $51 | $618 |
| GEICO | $56 | $672 |
| Travelers | $65 | $777 |
| Allstate | $70 | $843 |
| Nationwide | $73 | $880 |
| Progressive | $78 | $933 |
| Farmers | $89 | $1,072 |
Cheapest Jeep Grand Cherokee Insurance After an Accident
State Farm, GEICO and Travelers offer Jeep Grand Cherokee drivers the cheapest car insurance after an accident. For more options, check out the complete list below.
| State Farm | $51 | $615 |
| USAA | $59 | $709 |
| GEICO | $74 | $887 |
| Travelers | $78 | $931 |
| Allstate | $78 | $940 |
| Nationwide | $98 | $1,170 |
| Progressive | $101 | $1,208 |
| Farmers | $133 | $1,597 |
Jeep Grand Cherokee Insurance Cost: Bottom Line
Compare rates from multiple providers to find the most affordable car insurance. This article reviewed Jeep Grand Cherokee insurance, detailing costs across demographics and identifying the cheapest options.
Jeep Grand Cherokee Insurance Rates: FAQ
Below are answers to common questions about Jeep Grand Cherokee insurance costs, helping you understand options like minimum coverage and affordable plans.
What company has the cheapest car insurance for a Jeep Grand Cherokee?
State Farm offers the cheapest insurance for a Jeep Grand Cherokee, with an annual minimum coverage rate of $490.
What is the average cost of car insurance for a Jeep Grand Cherokee?
The average annual insurance cost for a Jeep Grand Cherokee is $653 for minimum coverage and $1,360 for full coverage.
Jeep Grand Cherokee Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Jeep Grand Cherokee insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Jeep Grand Cherokee:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Jeep Grand Cherokee insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Jeep Grand Cherokee.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.