Nissan Murano vs Jeep Grand Cherokee Insurance Cost

The Nissan Murano is cheaper to insure by about $100 a year for full coverage by our estimate ($1,465 vs. $1,565), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Nissan Murano	Jeep Grand Cherokee	Difference
State minimum	$565	$640	−$75
Standard (100/300/100)	$820	$930	−$110
Full coverage	$1,465	$1,565	−$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Murano minus Grand Cherokee.

Why one costs more to insure

Factor	Nissan Murano	Jeep Grand Cherokee
Segment	Midsize SUV	Midsize SUV
Powertrains	Gasoline, Hybrid	Gasoline, Plug-in hybrid, Diesel, Flex-fuel
HLDI collision (100 = avg)	90	81
HLDI comprehensive	90	105
HLDI property damage liability	84	111
HLDI bodily injury liability	101	115
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	2	7

Collision losses are the biggest swing factor: the Nissan Murano has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Nissan Murano.

Murano vs Grand Cherokee insurance by state

State	Murano	Grand Cherokee	Difference
Alabama	$1,275	$1,355	−$80
Alaska	$1,280	$1,360	−$80
Arizona	$1,535	$1,655	−$120
Arkansas	$1,290	$1,375	−$85
California	$1,430	$1,500	−$70
Colorado	$1,670	$1,810	−$140
Connecticut	$1,550	$1,665	−$115
Delaware	$1,630	$1,760	−$130
District of Columbia	$1,840	$1,955	−$115
Florida	$2,085	$2,270	−$185
Georgia	$1,805	$1,955	−$150
Hawaii	$1,005	$1,060	−$55
Idaho	$995	$1,060	−$65
Illinois	$1,270	$1,350	−$80
Indiana	$1,040	$1,110	−$70
Iowa	$1,000	$1,075	−$75
Kansas	$1,175	$1,265	−$90
Kentucky	$1,230	$1,325	−$95
Louisiana	$2,025	$2,180	−$155
Maine	$930	$990	−$60
Maryland	$1,640	$1,755	−$115
Massachusetts	$1,435	$1,525	−$90
Michigan	$1,590	$1,690	−$100
Minnesota	$1,225	$1,320	−$95
Mississippi	$1,400	$1,500	−$100
Missouri	$1,330	$1,430	−$100
Montana	$1,175	$1,265	−$90
Nebraska	$1,180	$1,265	−$85
Nevada	$1,670	$1,810	−$140
New Hampshire	$1,040	$1,100	−$60
New Jersey	$1,755	$1,895	−$140
New Mexico	$1,315	$1,410	−$95
New York	$1,955	$2,110	−$155
North Carolina	$1,090	$1,150	−$60
North Dakota	$945	$1,010	−$65
Ohio	$1,045	$1,115	−$70
Oklahoma	$1,325	$1,420	−$95
Oregon	$1,310	$1,415	−$105
Pennsylvania	$1,275	$1,355	−$80
Rhode Island	$1,760	$1,890	−$130
South Carolina	$1,565	$1,695	−$130
South Dakota	$1,130	$1,225	−$95
Tennessee	$1,215	$1,290	−$75
Texas	$1,740	$1,865	−$125
Utah	$1,325	$1,425	−$100
Vermont	$950	$1,005	−$55
Virginia	$1,255	$1,345	−$90
Washington	$1,270	$1,365	−$95
West Virginia	$1,225	$1,310	−$85
Wisconsin	$1,005	$1,075	−$70
Wyoming	$1,155	$1,245	−$90

By driver profile (full coverage)

Driver	Murano	Grand Cherokee
Teen driver (18, own policy)	$4,020	$4,310
Young adult (22)	$2,340	$2,505
Adult in their 30s	$1,465	$1,565
Adult in their 50s	$1,345	$1,440
Senior (72)	$1,640	$1,755
30s, one at-fault accident	$2,120	$2,270
30s, DUI on record	$2,705	$2,900

More comparisons

Frequently asked questions

Is the Nissan Murano or the Jeep Grand Cherokee cheaper to insure?

By our estimate the Nissan Murano is cheaper, by about $100 a year for full coverage ($1,465 vs. $1,565) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Murano and Jeep Grand Cherokee?

Mostly because of insurance-loss history: HLDI collision indices of 90 vs. 81 and comprehensive indices of 90 vs. 105 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page