Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Jeep Grand Cherokee? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Jeep Grand Cherokee car insurance facts

  • Average full coverage auto insurance premium: $149/month

  • Most affordable companies: Auto-Owners Insurance ($88/month) & Erie Insurance ($90/month)

  • Grand Cherokee car insurance cost vs. average rates: $12 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Jeep Grand Cherokee by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Jeep Grand Cherokee insurer costs by state:

Risk factors affecting Jeep Grand Cherokee car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Jeep Grand Cherokee car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Jeep models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Jeep automobile brand

Jeep is an American multinational automaker specializing in affordable sport utility vehicles (SUVs) and crossovers under Stellantis North America for the United States market. The target market of Jeep is young and old consumers, typically through the charismatic Jeep Wrangler focusing on advanced technology with off-road designs and affordability. All Jeep automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Jeep Wrangler, Grand Cherokee, and Compass are some of their most popular vehicles.

High Jeep Grand Cherokee repair costs equal high coverage rates

Many consumers are attracted to Jeep’s off-road designs, increased fuel efficiencies, and driver-assist technologies, like Jeep’s Safety & Security Technology. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Jeep is higher than average since repair parts are slightly more expensive. For this reason, many Jeeps are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Jeep Grand Cherokee affecting auto policies

Another factor to consider for Jeep is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Jeep models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Jeep IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Jeeps are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Jeep’s Safety & Security innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Jeep models. The Jeep Renegade and Cherokee are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Jeep automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Jeep automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2187
Acuity$2034
Allstate$1743
Auto-Owners$1069
Direct Auto$1956
Erie$1156
GEICO$1340
Kentucky Farm Bureau$1835
Liberty Mutual$1639
Nationwide$1594
Progressive$1791
Safe Auto$1780
State Farm$1384
Tennessee Farmers$1465
Texas Farm Bureau$1246
The Hanover$1906
Travelers$1570
USAA$1298

Compare all 2021 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$1769

List Price

$33120

Trims Available

Laredo - Laredo E - Altitude - Upland - Limited - Sterling Edition - Trailhawk - Overland - High Altitude - Summit - SRT - Trackhawk - Base Engine: 3.6-liter V6 with 295 horsepower with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2020 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1849
Allstate$1615
Auto-Owners$1026
Erie$1068
Farmers$1720
GEICO$1249
Liberty Mutual$1597
Mercury$1648
Nationwide$1539
Progressive$1685
State Farm$1348
Tennessee Farmers$1368
Texas Farm Bureau$1127
The Hanover$1816
Travelers$1499
USAA$1189

Compare all 2020 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$1720

List Price

$32150

Trims Available

Laredo - Laredo E - Altitude - Upland - Limited - Sterling Edition - Trailhawk - Overland - High Altitude - Summit - SRT - Trackhawk - Base Engine: 3.6-liter V6 with 295 horsepower with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2019 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1834
Allstate$1577
Auto-Owners$988
Erie$1035
GEICO$1235
Kentucky Farm Bureau$1684
Liberty Mutual$1523
Mercury$1603
Nationwide$1500
Progressive$1615
State Farm$1267
Tennessee Farmers$1256
Texas Farm Bureau$1075
The Hanover$1790
Travelers$1490
USAA$1194

Compare all 2019 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$1677

List Price

$32195

Trims Available

Laredo - Laredo E - Altitude - Upland - Limited - Sterling Edition - Trailhawk - Overland - High Altitude - Summit - SRT - Trackhawk - Base Engine: 3.6-liter V6 with 295 horsepower with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2018 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1202
Acuity$ 1202
Allied$ 1069
Allied$ 1069
Country$ 1178
Country$ 1178
Erie$ 756
Erie$ 756
GEICO$ 590
GEICO$ 590
Nationwide$ 939
Nationwide$ 939
Plymouth Rock Insurance$ 1189
Plymouth Rock Insurance$ 1189
Progressive$ 756
Progressive$ 756
State Farm$ 862
State Farm$ 862
Tennessee Farmers$ 1010
Tennessee Farmers$ 1010
USAA$ 854
USAA$ 854
Vermont Mutual$ 1050
Vermont Mutual$ 1050

Compare all 2018 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1008

List Price

$ 30895

Trims Available

Laredo - Laredo E - Altitude - Upland - Limited - Sterling Edition - Trailhawk - Overland - High Altitude - Summit - SRT - Trackhawk

2017 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1203
Acuity$ 1203
Allied$ 1094
Allied$ 1094
American Family$ 1170
American Family$ 1170
Country$ 1155
Country$ 1155
Erie$ 697
Erie$ 697
GEICO$ 601
GEICO$ 601
Nationwide$ 968
Nationwide$ 968
Plymouth Rock Insurance$ 1160
Plymouth Rock Insurance$ 1160
Progressive$ 741
Progressive$ 741
State Farm$ 805
State Farm$ 805
USAA$ 821
USAA$ 821
Vermont Mutual$ 1039
Vermont Mutual$ 1039

Compare all 2017 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1173

List Price

$ 30395

Trims Available

Laredo - Laredo E - Laredo 75th Anniversary - Altitude - Limited - Trailhawk - Limited 75th Anniversary - Overland - Summit - SRT

2016 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1103
Allied$ 1103
American Family$ 1154
American Family$ 1154
Country$ 1096
Country$ 1096
Erie$ 681
Erie$ 681
GEICO$ 592
GEICO$ 592
Nationwide$ 987
Nationwide$ 987
Plymouth Rock Insurance$ 1140
Plymouth Rock Insurance$ 1140
Progressive$ 738
Progressive$ 738
State Farm$ 875
State Farm$ 875
Tennessee Farmers$ 965
Tennessee Farmers$ 965
USAA$ 782
USAA$ 782
Vermont Mutual$ 990
Vermont Mutual$ 990

Compare all 2016 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1137

List Price

$ 29995

Trims Available

Laredo - Laredo E - Laredo 75th Anniversary - Limited - Limited 75th Anniversary - Overland - High Altitude - Summit - SRT - SRT Night

2015 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1121
Acuity$ 1121
Allied$ 1115
Allied$ 1115
Country$ 1093
Country$ 1093
Erie$ 677
Erie$ 677
GEICO$ 566
GEICO$ 566
Nationwide$ 1013
Nationwide$ 1013
Plymouth Rock Insurance$ 1118
Plymouth Rock Insurance$ 1118
Progressive$ 743
Progressive$ 743
State Farm$ 792
State Farm$ 792
Tennessee Farmers$ 902
Tennessee Farmers$ 902
USAA$ 715
USAA$ 715
Vermont Mutual$ 932
Vermont Mutual$ 932

Compare all 2015 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1125

List Price

$ 29995

Trims Available

Laredo - Laredo E - Altitude - Limited - Overland - High Altitude - Summit - SRT - SRT Red Vapor Edition

2014 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1052
Acuity$ 1052
American Family$ 1074
American Family$ 1074
Country$ 1055
Country$ 1055
Erie$ 641
Erie$ 641
GEICO$ 545
GEICO$ 545
Nationwide$ 1023
Nationwide$ 1023
Plymouth Rock Insurance$ 1085
Plymouth Rock Insurance$ 1085
Progressive$ 748
Progressive$ 748
State Farm$ 802
State Farm$ 802
Tennessee Farmers$ 879
Tennessee Farmers$ 879
USAA$ 694
USAA$ 694
Vermont Mutual$ 882
Vermont Mutual$ 882

Compare all 2014 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1097

List Price

$ 29495

Trims Available

Laredo - Laredo E - Altitude - Limited - Overland - Summit - SRT

2013 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1023
Acuity$ 1023
American Family$ 947
American Family$ 947
Arbella$ 1043
Arbella$ 1043
Erie$ 606
Erie$ 606
GEICO$ 513
GEICO$ 513
Nationwide$ 949
Nationwide$ 949
Plymouth Rock Insurance$ 1069
Plymouth Rock Insurance$ 1069
Progressive$ 723
Progressive$ 723
State Farm$ 719
State Farm$ 719
Tennessee Farmers$ 857
Tennessee Farmers$ 857
USAA$ 660
USAA$ 660
Vermont Mutual$ 841
Vermont Mutual$ 841

Compare all 2013 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1030

List Price

$ 27695

Trims Available

Laredo - Laredo X - Altitude - Limited - Trailhawk - Overland - Overland Summit - SRT8 - Alpine - Vapor

2012 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 955
Acuity$ 955
American Family$ 903
American Family$ 903
Arbella$ 1010
Arbella$ 1010
Country$ 1032
Country$ 1032
Erie$ 651
Erie$ 651
GEICO$ 492
GEICO$ 492
Nationwide$ 940
Nationwide$ 940
Progressive$ 726
Progressive$ 726
State Farm$ 706
State Farm$ 706
Tennessee Farmers$ 815
Tennessee Farmers$ 815
USAA$ 628
USAA$ 628
Vermont Mutual$ 761
Vermont Mutual$ 761

Compare all 2012 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 1021

List Price

$ 26995

Trims Available

Laredo - Laredo X - Altitude - Limited - Overland - Overland Summit - SRT8

2011 Jeep Grand Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1007
Allstate$ 1007
American Family$ 834
American Family$ 834
Arbella$ 865
Arbella$ 865
Country$ 894
Country$ 894
Erie$ 562
Erie$ 562
GEICO$ 471
GEICO$ 471
Nationwide$ 934
Nationwide$ 934
Progressive$ 680
Progressive$ 680
State Farm$ 694
State Farm$ 694
Tennessee Farmers$ 742
Tennessee Farmers$ 742
USAA$ 587
USAA$ 587
Vermont Mutual$ 686
Vermont Mutual$ 686

Compare all 2011 Jeep Grand Cherokee rates

Average Cost to Insure Per Year

$ 941

List Price

$ 30215

Trims Available

Laredo - Laredo X - 70th Anniversary - Limited - Overland - Overland Summit