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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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The Grand Cherokee is Jeep’s only full-size SUV, starting at an MSRP of $36,495 for the 2025 base model.[1] The affordable SUV also comes with budget-friendly car insurance rates, averaging $141 per month — $11 cheaper than the national average of $152 for all vehicles.
But how much you’ll pay for Jeep Grand Cherokee auto insurance depends on multiple factors, like the model year, the coverage you choose, your age, and your driving record. Let’s take a look at average insurance costs for the Jeep Grand Cherokee and how you can get the cheapest rates.
Jeep Grand Cherokee car insurance averages $98 per month for liability and $181 for full coverage.
Mile Auto has the cheapest insurance for 2017–2022 Grand Cherokees, but Direct Auto is the cheapest for the 2023 model year.
More expensive trim levels, like the Summit Reserve, likely cost more to insure.
The cost to insure a Jeep Grand Cherokee depends on the type of insurance policy you choose, among other factors. Liability coverage averages $98 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 $181 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 Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Jeep Grand Cherokee | $98 | $181 | $141 |
| All vehicles | $107 | $197 | $152 |
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 $141 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 |
|---|---|
| Mile Auto | $70 |
| Certainly | $74 |
| Root | $79 |
| Just Insure | $89 |
| Mercury | $93 |
Mile Auto, a pay-per-mile insurer, has the cheapest average insurance rate for the Jeep Grand Cherokee, at $70 per month. While these companies are the cheapest on average, they may not be the cheapest for all drivers.
Comparing car insurance quotes from several insurers is the best way to get the most affordable premiums for your driving profile and coverage needs.
Compare personalized quotes from dozens of top insurance companies.
No single “best” insurance company is right for everyone. Determining the best company for you comes down to what you find most important — cost, customer service, coverage, or something else.
We chose the following companies as some of the best for Grand Cherokee Jeep drivers based on a combination of average premiums, available coverages and discounts, and customer ratings and reviews.
Compare.com Rating: 4.17 out of 5
Below-average Grand Cherokee rates
Highly customizable full-coverage options
Plenty of available discounts
Available in only 12 states
Below-average customer and claims ratings
Few local agents
Mercury offers many add-on coverages, so you can customize your full-coverage insurance policy to your specific needs. For example, your policy can include rental car reimbursement, gap insurance, custom equipment, and rideshare insurance.
You can also buy mechanical breakdown coverage from Mercury, a rare coverage most insurers don’t offer. It covers mechanical issues, like engine failures, which car insurance typically doesn’t cover.
Compare.com Rating: 4.23 out of 5
Discount for hybrid vehicle models, like the Grand Cherokee 4xe
Offers accident forgiveness
Limited rideshare coverage available
Below-average customer satisfaction ratings
Many discounts not available in California
Can’t purchase policies online
Travelers may be a good fit if you’re looking to buy or already own a Grand Cherokee 4xe. The insurer offers a discount for owning or leasing a hybrid vehicle. Other available discounts include ones for getting an early quote, owning a home, and being a good student. Optional coverages are also available, such as gap insurance, rideshare coverage, new-car replacement, and roadside assistance.
You can also include accident forgiveness in your policy, which helps keep your future rates lower if you cause an accident. But not all coverages are available in all states, and many discounts aren’t available in California.
Compare.com Rating: Not rated
Incredibly cheap Grand Cherokee rates
Financially backed by Liberty Mutual
24/7 online claims filing and support
Only available online
No local agents
Only available in Arizona, Illinois, Ohio, Tennessee, and Wisconsin
Certainly is an online-only insurance company backed by the financially stable and well-known insurer Liberty Mutual. Its cheap rates for Grand Cherokee drivers may make it a great fit if you’re only looking for basic coverage. But it offers few full-coverage options, so you might look elsewhere if you need anything other than a liability-only policy.
Its website is also very sparse, making learning more about the company difficult without creating an account and requesting a quote. And it only sells auto insurance in a handful of states.
Your vehicle’s age also affects your insurance rate. In general, the more your vehicle’s 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 | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2023 | $159 | Direct Auto | $151 |
| 2022 | $135 | Mile Auto | $71 |
| 2021 | $142 | Mile Auto | $80 |
| 2020 | $153 | Mile Auto | $77 |
| 2019 | $151 | Mile Auto | $78 |
| 2018 | $145 | Mile Auto | $70 |
| 2017 | $135 | Mile Auto | $66 |
| 2016 | $133 | Certainly | $54 |
| 2015 | $131 | Mile Auto | $60 |
| 2014 | $128 | Root | $63 |
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 | $92 |
| Arizona | $123 |
| Arkansas | $176 |
| California | $177 |
| Colorado | $144 |
| Connecticut | $280 |
| Delaware | $171 |
| Florida | $180 |
| Georgia | $183 |
| Idaho | $93 |
| Illinois | $115 |
| Indiana | $99 |
| Iowa | $84 |
| Kansas | $113 |
| Kentucky | $180 |
| Louisiana | $166 |
| Maine | $109 |
| Maryland | $254 |
| Massachusetts | $139 |
| Michigan | $216 |
| Minnesota | $139 |
| Mississippi | $139 |
| Missouri | $135 |
| Montana | $112 |
| Nebraska | $130 |
| Nevada | $220 |
| New Hampshire | $85 |
| New Jersey | $146 |
| New Mexico | $107 |
| New York | $355 |
| North Carolina | $69 |
| North Dakota | $107 |
| Ohio | $94 |
| Oklahoma | $119 |
| Oregon | $119 |
| Pennsylvania | $120 |
| Rhode Island | $106 |
| South Carolina | $202 |
| South Dakota | $89 |
| Tennessee | $104 |
| Texas | $164 |
| Utah | $134 |
| Vermont | $100 |
| Virginia | $133 |
| Washington | $103 |
| District of Columbia | $210 |
| West Virginia | $107 |
| Wisconsin | $94 |
| 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 | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $263 | Mile Auto | $131 |
| 20s | $180 | Mile Auto | $90 |
| 30s | $140 | Mile Auto | $70 |
| 40s | $128 | Mile Auto | $64 |
| 50s | $115 | Mile Auto | $57 |
| 60s | $108 | Mile Auto | $54 |
| 70s | $116 | Mile Auto | $58 |
Once a teen reaches their 20s, they can usually expect a significant rate drop if they maintain a clean driving record. The average rate for teen drivers who own a Grand Cherokee is $263 per month, but the average drops to $180 in your 20s.
Rates continue to decrease until seniors reach their 70s, when premiums increase a bit. Drivers in their 60s pay an average rate of $108 per month, while those in their 70s pay $116.
Your driving record has a significant effect on your insurance rate. Past tickets and accidents indicate risky behavior that may make you more likely to file a future claim. As a result, you’ll face higher premiums.
You can see how your driving record affects the average cost of car insurance in the table below, according to our research.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $140 | Mile Auto | $70 |
| Speeding ticket | $194 | Mile Auto | $97 |
| At-fault accident | $202 | Mile Auto | $101 |
| DUI | $230 | Mile Auto | $114 |
Causing an accident can cause a substantial increase in your insurance costs.[5] Jeep Grand Cherokee drivers pay an average of $140 per month with a clean driving record, but the average rate increases to $202 after an accident.
A DUI is even more severe, with an average rate of $230 per month.
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The features and options of your Jeep Grand Cherokee can also affect your insurance rates. For example, if you choose a brand-new model vehicle for this popular SUV, you’ll probably pay more for car insurance.
The most expensive trim level, the hybrid 4xe, comes with the highest price tag. And hybrids typically cost around 8% more to insure than gas-powered options, according to our research. But some insurers offer an electric vehicle discount, helping lower your out-of-pocket costs.
Lenders require full coverage for leased and financed vehicles, so you’ll likely pay more to meet your lender’s requirements if you can’t buy a Jeep outright and choose your own policy limits.
And the Jeep Grand Cherokee has high safety ratings with the IIHS[6] and NHTSA[7] for its newer model years, which can make you eligible for a safety feature discount.
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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 $141 per month, or an average annual premium of $1,692. The national average is $152 per month ($1,824 per year).
The average cost to insure a 2024 Jeep Grand Cherokee is $141 per month, according to Compare.com data. Liability-only averages $98, while full coverage costs an average of $181 per month.
A Jeep Cherokee averages $147 per month, or an average annual premium of $1,764, according to Compare.com data.
The Subaru Forester is the cheapest SUV to insure, according to our research. Its average monthly cost is $120, or an average annual premium of $1,440.
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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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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