Jeep Grand Cherokee Insurance Cost

Full coverage for a Jeep Grand Cherokee costs about $1,565 a year ($131/month) by our estimate — ▼ −2% versus the average vehicle, ranking 125th cheapest of 310 current models.

Jeep Grand Cherokee exterior (photo from Wikimedia Commons) — Photo: Elise240SX, CC BY-SA 4.0

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

Jeep Grand Cherokee insurance cost at a glance

Full coverage

$1,565

$131/mo · $1,285–$1,850

Minimum liability

$640

$54/mo

Segment

Midsize SUV

Gasoline, Plug-in hybrid, Diesel, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Jeep Grand Cherokee.

Estimated Jeep Grand Cherokee premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$640	$54	$525–$760
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$930	$78	$765–$1,100
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,565	$131	$1,285–$1,850

What drives the cost of insuring a Jeep Grand Cherokee

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Jeep Grand Cherokee's results put our vehicle factor at 1.05× for liability, 0.84× for collision and 1.04× for comprehensive.

HLDI relative insurance losses — Jeep Grand Cherokee L 4dr (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	81	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	105	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	111	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	115	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	90	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	102	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Jeep Grand Cherokee L 4dr	81	105	111	115
Jeep Grand Cherokee 4dr (NEW)	76	92	103	122
Jeep Grand Cherokee L 4dr 4WD	81	114	102	96
Jeep Grand Cherokee 4dr 4WD (NEW)	77	98	104	88
Jeep Grand Cherokee plug-in hybrid 4dr 4WD	92	95	109	87

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 153 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Jeep Grand Cherokee trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Grand Cherokee 2WD	RWD	2.0L 4-cyl Turbo	23
Grand Cherokee 2WD	RWD	3.6L 6-cyl	22
Grand Cherokee 4WD	AWD	2.0L 4-cyl Turbo	22
Grand Cherokee 4WD	AWD	3.6L 6-cyl	22
Grand Cherokee L 2WD	RWD	2.0L 4-cyl Turbo	23
Grand Cherokee L 2WD	RWD	3.6L 6-cyl	21
Grand Cherokee L 4WD	AWD	2.0L 4-cyl Turbo	22
Grand Cherokee L 4WD	AWD	3.6L 6-cyl	21

Jeep Grand Cherokee insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo, 3.6L 6-cyl	AWD, RWD	21–23	$1,565
2026	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl	4WD, AWD, RWD	21–23	$1,540
2025	2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl	4WD, RWD	21–23	$1,510
2024	2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	17–23	$1,480
2023	2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	17–23	$1,455
2022	2.0L 4-cyl Turbo Plug-in Hybrid, 3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	17–23	$1,425
2021	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–21	$1,395
2020	3.6L 6-cyl, 5.7L 8-cyl, 6.2L 8-cyl Supercharged	AWD, RWD	13–21	$1,365
2019	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	AWD, RWD	13–24	$1,340
2018	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	AWD, RWD	13–25	$1,310
2017	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	4WD, AWD, RWD	15–21	$1,280
2016	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, AWD, RWD	15–25	$1,250
2015	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–25	$1,250
2014	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–25	$1,250
2013	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	4WD, RWD	14–19	$1,250
2012	3.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cyl	4WD, AWD, RWD	14–19	$1,250
2011	3.6L 6-cyl, 5.7L 8-cyl	4WD, RWD	15–18	$1,250
2010	3.7L 6-cyl, 5.7L 8-cyl, 6.1L 8-cyl	4WD, RWD	13–18	$1,250
2009	3.7L 6-cyl, 4.7L 8-cyl, 5.7L 8-cyl	4WD/AWD, RWD	12–18	$1,250
2008	3.0L 6-cyl Diesel, 3.7L 6-cyl, 4.7L 8-cyl	4WD/AWD, RWD	12–20	$1,250

Jeep Grand Cherokee insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Grand Cherokee page for that state.

State	Full coverage	Minimum	vs. national	Grand Cherokee page
Alabama	$1,355	$500	−13%	Grand Cherokee in AL
Alaska	$1,360	$655	−13%	Grand Cherokee in AK
Arizona	$1,655	$690	+6%	Grand Cherokee in AZ
Arkansas	$1,375	$470	−12%	Grand Cherokee in AR
California	$1,500	$600	−4%	Grand Cherokee in CA
Colorado	$1,810	$680	+16%	Grand Cherokee in CO
Connecticut	$1,665	$745	+6%	Grand Cherokee in CT
Delaware	$1,760	$840	+12%	Grand Cherokee in DE
District of Columbia	$1,955	$775	+25%	Grand Cherokee in DC
Florida	$2,270	$1,130	+45%	Grand Cherokee in FL
Georgia	$1,955	$915	+25%	Grand Cherokee in GA
Hawaii	$1,060	$455	−32%	Grand Cherokee in HI
Idaho	$1,060	$420	−32%	Grand Cherokee in ID
Illinois	$1,350	$520	−14%	Grand Cherokee in IL
Indiana	$1,110	$425	−29%	Grand Cherokee in IN
Iowa	$1,075	$325	−31%	Grand Cherokee in IA
Kansas	$1,265	$420	−19%	Grand Cherokee in KS
Kentucky	$1,325	$550	−15%	Grand Cherokee in KY
Louisiana	$2,180	$830	+39%	Grand Cherokee in LA
Maine	$990	$445	−37%	Grand Cherokee in ME
Maryland	$1,755	$790	+12%	Grand Cherokee in MD
Massachusetts	$1,525	$620	−3%	Grand Cherokee in MA
Michigan	$1,690	$800	+8%	Grand Cherokee in MI
Minnesota	$1,320	$490	−16%	Grand Cherokee in MN
Mississippi	$1,500	$555	−4%	Grand Cherokee in MS
Missouri	$1,430	$535	−9%	Grand Cherokee in MO
Montana	$1,265	$410	−19%	Grand Cherokee in MT
Nebraska	$1,265	$420	−19%	Grand Cherokee in NE
Nevada	$1,810	$905	+16%	Grand Cherokee in NV
New Hampshire	$1,100	$420	−30%	Grand Cherokee in NH
New Jersey	$1,895	$980	+21%	Grand Cherokee in NJ
New Mexico	$1,410	$545	−10%	Grand Cherokee in NM
New York	$2,110	$975	+35%	Grand Cherokee in NY
North Carolina	$1,150	$470	−27%	Grand Cherokee in NC
North Dakota	$1,010	$290	−35%	Grand Cherokee in ND
Ohio	$1,115	$425	−29%	Grand Cherokee in OH
Oklahoma	$1,420	$495	−9%	Grand Cherokee in OK
Oregon	$1,415	$655	−10%	Grand Cherokee in OR
Pennsylvania	$1,355	$445	−13%	Grand Cherokee in PA
Rhode Island	$1,890	$860	+21%	Grand Cherokee in RI
South Carolina	$1,695	$765	+8%	Grand Cherokee in SC
South Dakota	$1,225	$330	−22%	Grand Cherokee in SD
Tennessee	$1,290	$475	−18%	Grand Cherokee in TN
Texas	$1,865	$725	+19%	Grand Cherokee in TX
Utah	$1,425	$685	−9%	Grand Cherokee in UT
Vermont	$1,005	$335	−36%	Grand Cherokee in VT
Virginia	$1,345	$655	−14%	Grand Cherokee in VA
Washington	$1,365	$620	−13%	Grand Cherokee in WA
West Virginia	$1,310	$455	−16%	Grand Cherokee in WV
Wisconsin	$1,075	$390	−31%	Grand Cherokee in WI
Wyoming	$1,245	$340	−20%	Grand Cherokee in WY

Jeep Grand Cherokee insurance by driver profile

Estimated annual Jeep Grand Cherokee premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,765	$2,560	$4,310	$359
Young adult (22)	$1,030	$1,490	$2,505	$209
Adult in their 30s	$640	$930	$1,565	$130
Adult in their 50s	$590	$855	$1,440	$120
Senior (72)	$720	$1,045	$1,755	$146
30s, one at-fault accident	$930	$1,350	$2,270	$189
30s, DUI on record	$1,190	$1,725	$2,900	$242

Jeep Grand Cherokee vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Jeep Grand Cherokee	$1,565	81	105	—
Nissan Murano	$1,465	90	90	Compare
GMC Acadia	$1,035	64	—	Compare
Kia Sorento	$1,580	104	100	Compare

Estimate Jeep Grand Cherokee insurance for your ZIP code

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Other Jeep models

Gladiator $1,635/yr
Grand Wagoneer $1,745/yr
Wrangler $1,355/yr
Cherokee $1,505/yr
Compass $1,580/yr
Recon $1,510/yr
Wagoneer S $1,570/yr
Wagoneer $1,600/yr
Renegade $1,365/yr
Patriot $1,195/yr
Liberty $1,165/yr
Commander $1,190/yr

All Jeep insurance costs →

Frequently asked questions

How much is insurance for a Jeep Grand Cherokee?

We estimate about $1,565 a year ($131 a month) for full coverage and $640 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the Jeep Grand Cherokee expensive to insure?

HLDI insurance-loss data rates it at 81 for collision and 105 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Jeep Grand Cherokee?

Maine has the lowest estimate (about $990 a year for full coverage) and Florida the highest (about $2,270).

What is the Jeep Grand Cherokee's NHTSA safety rating?

The 2026 Jeep Grand Cherokee earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Jeep Grand Cherokee costs about $1,565 a year versus $1,465 for the Nissan Murano, making the Nissan Murano cheaper to insure.

How much is Jeep Grand Cherokee insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,310 a year at national-average rates by our estimate.

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