Home Car insurance Insurance rates by car Average Jeep Grand Cherokee Car Insurance Cost for 2026 Average Jeep Grand Cherokee Car Insurance Cost for 2026 The average insurance cost for a Jeep Grand Cherokee in 2026 is $2,781 per year. The Jeep Grand Cherokee was among the 25 best-selling cars in the U.S., according to Kelley Blue Book. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILE | Data checked by Brent BuellBrent BuellBefore joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker’s license and is a Chartered Property Casualty Underwriter (CPCU). Brent is also a father of two boys and is an avid automotive enthusiast.VIEW FULL PROFILE | Expert insight from Dr. James BrauDr. James BrauJoel C. Peterson Professor of Finance Brigham Young University"Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims - for example, a brand-new fire-engine red - convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair - another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates."Go to commentSee moreSee less | Updated onApril 7, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost to insure a Jeep Grand Cherokee in 2026 is $2,781 per year for full coverage. Insurance rates vary depending on factors like driver age, location and insurer. The Jeep Grand Cherokee, one of the 25 best-selling vehicles in the U.S., remains a popular choice among drivers, according to Kelley Blue Book.Car ownership is a major expense. The average new car buyer paid $49,191 in January, according to Kelley Blue Book. This is slightly lower than the previous month’s record but still higher than a year ago, making it important to understand insurance costs when budgeting for a vehicle.Key TakeawaysThe annual average nationwide rate for a Jeep Grand Cherokee is $2,781.Travelers offers the cheapest car insurance for a Jeep Grand Cherokee.Full coverage car insurance for a Jeep Grand Cherokee is $256 less than the nationwide average of $3,037 per year.Updated with latest data Calculate car insurance rates by make and model Vehicle Make Select Make Vehicle Model Select Model State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming OR Vehicle Type Vehicle typesElectricHatchbackHybridLuxury CarLuxury SUVMinivanPerformance CarPerformance SUVSedanSports CarStation WagonSUVTruckVanAll Vehicles How much does it cost to insure Jeep Grand Cherokee?The average cost to insure a Jeep Grand Cherokee is $2,781 per year for full coverage. That’s $256 less compared to the national average of $3,037. Full coverage typically includes liability, comprehensive and collision insurance, which costs significantly more than liability-only policies.How much you pay for car insurance depends on several factors, including the vehicle’s make, model and trim level, as well as the driver’s age, location, driving record and homeowner status. Insurers use these variables to estimate the likelihood and cost of future claims.The table below shows the average annual and monthly cost of full coverage insurance for a Jeep Grand Cherokee. Graph Table Annual PremiumMonthly Premium$2,781$232Powered by: Jeep-Grand-Cherokee insurance cost $232 per month $2,781 per year How does age affect Jeep Grand Cherokee insurance costs?Insurance rates for a Jeep Grand Cherokee vary significantly by age. Younger drivers typically pay the highest premiums because insurers consider them higher-risk due to limited driving experience and higher accident rates.For example, the average cost for an 18-year-old to insure a Jeep Grand Cherokee is $9,054 per year for full coverage.The table below shows the average yearly and monthly insurance rates for an 18-year-old driving a Jeep Grand Cherokee.Annual PremiumMonthly Premium$9,054$755Powered by:How much does Jeep Grand Cherokee insurance cost by state?On average, full coverage insurance for a Jeep Grand Cherokee costs $2,781 per year nationwide, but rates can differ significantly from one state to another. The cost to insure a Jeep Grand Cherokee depends on more than just the car itself. Where you live plays a major role – state insurance laws, local accident rates, repair costs and claim trends in your area can all push your premium up or down significantly.The table below shows the average annual and monthly costs to insure a Jeep Grand Cherokee in each state. Graph Table State nameAnnual premiumMonthly premiumAlaska$2,582$215Alabama$2,280$190Arkansas$3,256$271Arizona$2,889$241California$3,429$286Colorado$3,206$267Connecticut$3,139$262Washington, D.C.$3,583$299Delaware$3,052$254Florida$3,417$285Georgia$2,985$249Hawaii$1,616$135Iowa$2,357$196Idaho$1,817$151Illinois$2,335$195Indiana$1,892$158Kansas$2,696$225Kentucky$3,176$265Louisiana$4,747$396Massachusetts$2,147$179Maryland$2,980$248Maine$1,770$147Michigan$3,572$298Minnesota$2,568$214Missouri$2,758$230Mississippi$3,046$254Montana$2,533$211North Carolina$2,228$186North Dakota$2,139$178Nebraska$2,824$235New Hampshire$1,819$152New Jersey$3,290$274New Mexico$2,607$217Nevada$3,469$289New York$2,984$249Ohio$1,827$152Oklahoma$3,089$257Oregon$2,346$196Pennsylvania$2,782$232Rhode Island$2,985$249South Carolina$3,278$273South Dakota$2,984$249Tennessee$2,437$203Texas$3,410$284Utah$2,189$182Virginia$2,377$198Vermont$1,805$150Washington$2,429$202Wisconsin$2,644$220West Virginia$2,457$205Wyoming$2,040$170Powered by: Select state Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Which states have the highest Jeep Grand Cherokee insurance rates?Where you live is one of the biggest factors in what you pay to insure a Jeep Grand Cherokee. States with high accident rates, expensive medical costs and dense urban traffic consistently rank among the most expensive for car insurance.State NameAnnual premiumMonthly premiumLouisiana$4,747$396Washington, D.C.$3,583$299Michigan$3,572$298Nevada$3,469$289California$3,429$286Florida$3,417$285Texas$3,410$284New Jersey$3,290$274South Carolina$3,278$273Arkansas$3,256$271Powered by:Which states are the cheapest Jeep Grand Cherokee insurance rates?The cheapest states for car insurance tend to have lower accident rates, less traffic congestion and more competitive insurance markets keep premiums below the national average.State NameAnnual premiumMonthly premiumHawaii$1,616$135Maine$1,770$147Vermont$1,805$150Idaho$1,817$151New Hampshire$1,819$152Ohio$1,827$152Indiana$1,892$158Wyoming$2,040$170North Dakota$2,139$178Massachusetts$2,147$179Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How much does Jeep Grand Cherokee insurance cost by city?Car insurance rates for a Jeep Grand Cherokee also vary based upon your location. In the top 10 U.S. cities (by population), rates for a Jeep Grand Cherokee range from $3,070 per year in Chicago, IL to $6,830 per year in New York, NY. See more rates in the top 10 cities in the table below.CityAverage annual full coverage premiumChicago, IL$3,070San Diego, CA$3,290Fort Worth, TX$3,458San Antonio, TX$3,584Phoenix, AZ$3,630Houston, TX$4,046Dallas, TX$4,072Philadelphia, PA$4,788Los Angeles, CA$4,803New York, NY$6,830Powered by:How much does Jeep Grand Cherokee insurance cost by company?Insurance rates for a Jeep Grand Cherokee can also differ depending on the insurance company. Each insurer uses its own pricing model to evaluate risk, so one company may charge more or less than another for the same driver and vehicle. Because of these differences, it’s a good idea to compare quotes from several insurers before choosing a policy.“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red convertible sports car – turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.”See insurance rates for a Jeep Grand Cherokee from several insurers in the table below.CompanyAverage annual premiumAverage 6-month premiumAverage monthly premiumAllstate$3,572$1,786$298American Family$2,729$1,365$227Amica$2,383$1,192$199Auto Club Enterprises (AAA)$4,754$2,377$396Auto Club Group (AAA)$2,156$1,078$180Auto-Owners$2,266$1,133$189CSAA Insurance (AAA)$3,013$1,506$251Erie Insurance$2,345$1,172$195Farmers$3,634$1,817$303GEICO$2,401$1,200$200Nationwide$2,668$1,334$222Progressive$2,601$1,300$217State Farm$2,346$1,173$195Travelers$1,992$996$166USAA*$2,000$1,000$167*USAA is only available to military community members and their families.Powered by:Don’t settle for the first quote you getInsurance companies calculate risk differently, which means two drivers with identical Jeep Grand Cherokees and clean records can receive very different premiums from different insurers. Comparing quotes from at least three providers is one of the simplest ways to make sure you’re not overpaying.Average Jeep Grand Cherokee insurance rates by model yearThe model year of a Jeep Grand Cherokee also influences how much you pay for insurance. Newer models often cost more to insure because they’re worth more and can be more expensive to repair or replace after an accident. Older versions may have lower premiums, although they might lack newer safety features that sometimes qualify for insurance discounts.The table below shows the average annual insurance cost for each Jeep Grand Cherokee model year, so you can compare how premiums change over time.Model YearAverage annual premiumAverage monthly premium2015$2,110$1762016$2,139$1782017$2,216$1852018$2,329$1942019$2,371$1982020$2,479$2072021$2,501$2082022$2,631$2192023$2,757$2302024$2,737$2282025$2,781$232Powered by:How does insurance cost vary by make and model?Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure.See the average annual full coverage rates for the most popular vehicles in the table below.VehicleAverage annual full coverage premiumSubaru Crosstrek$2,299Subaru Outback$2,322Subaru Forester$2,377Jeep Wrangler$2,396Honda CR V$2,401Chevrolet Trax$2,423Toyota RAV4$2,478Ford Maverick$2,488Hyundai Tucson$2,540Kia Sportage$2,566Toyota Tacoma$2,584Chevrolet Equinox$2,599Ford Transit$2,599Honda Accord$2,600Nissan Rogue$2,633Ford Explorer$2,656Mazda CX 5$2,665Toyota Highlander$2,765Chevrolet Silverado$2,778Jeep Grand Cherokee$2,781GMC Sierra$2,834Ford Escape$2,866Toyota Camry$2,889Ford F Series$2,919Toyota Corolla$2,919Ram Truck$2,974Honda Civic$3,051Tesla Model Y$3,836Tesla Model 3$3,871Powered by:Which body styles are cheaper or more expensive for car insurance?Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle.Below, see annual rates for full coverage for sedans, SUVs and trucks.Style typeAverage annual premiumAverage monthly premiumConvertible$4,071$339Coupe$4,393$366Hatchback$3,139$262Sedan$3,781$315SUV$2,976$248Truck$2,892$241Van$2,692$224Wagon$4,189$349Powered by:How does my car’s trim level affect car insurance?A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it.“Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance.See the trim levels of a Jeep Grand Cherokee and their full coverage premiums in the table below.ModelTrimAnnual premiumGrand CherokeeGrand Cherokee Altitude$2,595Grand CherokeeGrand Cherokee Altitude X$2,602Grand CherokeeGrand Cherokee Laredo$2,589Grand CherokeeGrand Cherokee Laredo X$2,602Grand CherokeeGrand Cherokee Limited$2,689Grand CherokeeGrand Cherokee Overland$2,865Grand CherokeeGrand Cherokee Summit$2,903Grand CherokeeGrand Cherokee Summit Reserve$2,916Grand Cherokee 4xe HybridGrand Cherokee 4xe$3,190Grand Cherokee 4xe HybridGrand Cherokee 4xe Anniversary Edition$3,199Grand Cherokee 4xe HybridGrand Cherokee 4xe Overland$3,284Grand Cherokee 4xe HybridGrand Cherokee 4xe Summit$3,346Grand Cherokee 4xe HybridGrand Cherokee 4xe Summit Reserve$3,352Grand Cherokee 4xe HybridGrand Cherokee 4xe Trailhawk$3,236Grand Cherokee LGrand Cherokee L Altitude$2,599Grand Cherokee LGrand Cherokee L Altitude X$2,598Grand Cherokee LGrand Cherokee L Laredo$2,598Grand Cherokee LGrand Cherokee L Laredo X$2,595Grand Cherokee LGrand Cherokee L Limited$2,686Grand Cherokee LGrand Cherokee L Overland$2,854Grand Cherokee LGrand Cherokee L Summit$2,890Grand Cherokee LGrand Cherokee L Summit Reserve$2,931Powered by:The more features your trim has, the more it may cost to insureHigher trim levels often come with advanced technology, premium parts and upgraded features that are more expensive to repair or replace after an accident. If you’re choosing between trim levels, it’s worth getting an insurance quote for each one before you decide — the difference in premium may surprise you.How to save on car insurance for a Jeep Grand CherokeeDrivers can lower the cost of insuring a Jeep Grand Cherokee by adjusting coverage, improving their risk profile and taking advantage of insurer discounts. Comparing quotes regularly and maintaining a clean driving record are two of the most effective ways to reduce premiums.Here are several ways to save on Jeep Grand Cherokee insurance:Compare quotes before every renewal. Rates vary widely between insurers, so shopping around every six to 12 months is one of the easiest ways to make sure you’re not overpaying.Raise your deductible if you have savings to back it up. A higher deductible lowers your monthly premium. Just make sure you could comfortably cover that amount out of pocket if you needed to file a claim.Keep your driving record clean. Accidents and traffic violations can follow you for years and push your premium up significantly. A clean record is one of the best long-term ways to keep costs down.Bundle your home and auto insurance. Most insurers offer a meaningful discount when you combine policies, and it simplifies managing your coverage.Know how your credit affects your rate. Insurers in many states use credit-based insurance scores to help set premiums. Paying bills on time and reducing debt can have a real impact on what you pay.What discounts are available for Jeep Grand Cherokee insurance?Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance.In addition to vehicle discounts, drivers may qualify for the following discounts:Telematics discountsMultiple policiesLoyaltyGood driver/safe driverGood studentSavings for driving less/low annual mileageSenior discountEducational/professional discountsSigning early/paying in fullPaperless/autopayThe biggest savings on Jeep Grand Cherokee insurance rarely come from one placeMost drivers who significantly lower their premium do it by combining a few smart moves. comparing quotes before renewal, adjusting their deductible and stacking discounts like bundling, safe-driver programs and low-mileage savings. If you haven’t reviewed your policy in the last 12 months, there’s a good chance you’re leaving money on the table.What our expert says Q: Why do car insurance rates vary by vehicle model and trim level? Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University “Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.” Resources & MethodologySources:Kelley Blue Book. “Average New Car Price Drops” Accessed April 2026.Kelley Blue Book. “The 25 Best-Selling Cars of 2025.” Accessed April 2026.Manheim by Cox Automotive. “Used Vehicle Value Index.” Accessed April 2026.U.S. Census Bureau. “City and Town Population Totals: 2020-2022.” Accessed April 2026.MethodologyInsure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2025 vehicle models.Rates are based on a hypothetical driver who is a 40-year-old male with a clean driving record and good credit, who commutes 12 miles to work each day and drives 10,000 miles annually.The driver carries 100/300/100 liability coverage ($100,000 for injury liability per person, $300,000 for all injuries per accident and $100,000 for property damage) with a $500 deductible for collision and comprehensive coverage.Quotes include uninsured and underinsured motorist coverage, as well as personal injury protection (PIP) or medical payments coverage where required by state law.Rates were calculated across 51 states, 29,159 cities and 34,595 ZIP codes, using pricing data from 174 insurance companies grouped into 77 insurer groups.In total, 15,534,318,960 insurance quotes were analyzed across 1,549 vehicle make and model combinations.The national average premium is $3,037 per year.Rates are averaged across insurers and locations and are intended for comparative purposes only. Actual premiums will vary depending on individual factors such as location, driving history, credit profile and coverage selections.40-year-old maleOur hypothetical driver100/300/100Full coverege rates77Carriers in the U.S. Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does it cost to insure Jeep Grand Cherokee?How does age affect Jeep Grand Cherokee insurance costs?How much does Jeep Grand Cherokee insurance cost by state?How much does Jeep Grand Cherokee insurance cost by city?How much does Jeep Grand Cherokee insurance cost by company?Average Jeep Grand Cherokee insurance rates by model yearHow does insurance cost vary by make and model?Which body styles are cheaper or more expensive for car insurance?How does my car's trim level affect car insurance?How to save on car insurance for a Jeep Grand CherokeeWhat discounts are available for Jeep Grand Cherokee insurance?What our expert saysResources & Methodology ZIP Code Please enter valid ZIP See rates (844) 645-3330