If you’re looking for insurance for your Jeep Grand Cherokee in 2025, you’re in the right place. Car insurance rates for the Jeep Grand Cherokee depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Jeep Grand Cherokee costs around $2,404 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Grand Cherokee might cost slightly less, around $2,186 per year, while insuring a 2018 model could be even more budget-friendly at $2,056 annually.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Jeep Grand Cherokee.
What is the cost to insure your Jeep Grand Cherokee in 2025?
The average cost to insure a Jeep Grand Cherokee is $198 per month, or $2,371 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Jeep Grand Cherokee
State Farm offers the cheapest car insurance rates for Jeep Grand Cherokee at an average annual cost of $1,934 a year or $161 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Jeep Grand Cherokee
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $1,934 | $967 | $161 |
| Nationwide | $2,030 | $1,015 | $169 |
| Geico | $2,103 | $1,051 | $175 |
| Progressive | $2,121 | $1,061 | $177 |
| Farmers | $2,904 | $1,452 | $242 |
| Allstate | $3,206 | $1,603 | $267 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Jeep Grand Cherokee car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Jeep Grand Cherokee will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Jeep Grand Cherokee, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,778 | $889 | $148 |
| 2015 | $1,878 | $939 | $156 |
| 2016 | $1,901 | $951 | $158 |
| 2017 | $1,970 | $985 | $164 |
| 2018 | $2,056 | $1,028 | $171 |
| 2019 | $2,086 | $1,043 | $174 |
| 2020 | $2,148 | $1,074 | $179 |
| 2021 | $2,186 | $1,093 | $182 |
| 2022 | $2,381 | $1,190 | $198 |
| 2023 | $2,404 | $1,202 | $200 |
Jeep Grand Cherokee car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Jeep Grand Cherokee. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For example, higher trims like the Grand Cherokee Summit Reserve, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Jeep Grand Cherokee.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Grand Cherokee Laredo A | $2,191 | $1,095 | $183 |
| Grand Cherokee Laredo | $2,276 | $1,138 | $190 |
| Grand Cherokee Laredo X | $2,285 | $1,143 | $190 |
| Grand Cherokee Altitude | $2,322 | $1,161 | $194 |
| Grand Cherokee Altitude X | $2,324 | $1,162 | $194 |
| Grand Cherokee Limited | $2,348 | $1,174 | $196 |
| Grand Cherokee Overland | $2,426 | $1,213 | $202 |
| Grand Cherokee Summit | $2,596 | $1,298 | $216 |
| Grand Cherokee Summit Reserve | $2,626 | $1,313 | $219 |
Jeep Grand Cherokee insurance rates: State-by-state breakdown
The cost of insuring a Jeep Grand Cherokee vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Jeep Grand Cherokee by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,263 | $1,131 | $189 |
| Alabama | $2,220 | $1,110 | $185 |
| Arkansas | $2,479 | $1,239 | $207 |
| Arizona | $2,268 | $1,134 | $189 |
| California | $2,905 | $1,453 | $242 |
| Colorado | $3,104 | $1,552 | $259 |
| Connecticut | $2,503 | $1,251 | $209 |
| Washington, D.C. | $2,741 | $1,371 | $228 |
| Delaware | $2,423 | $1,212 | $202 |
| Florida | $2,866 | $1,433 | $239 |
| Georgia | $2,996 | $1,498 | $250 |
| Hawaii | $1,544 | $772 | $129 |
| Iowa | $2,074 | $1,037 | $173 |
| Idaho | $1,543 | $771 | $129 |
| Illinois | $2,347 | $1,173 | $196 |
| Indiana | $2,075 | $1,037 | $173 |
| Kansas | $2,500 | $1,250 | $208 |
| Kentucky | $2,965 | $1,482 | $247 |
| Louisiana | $3,972 | $1,986 | $331 |
| Massachusetts | $2,117 | $1,058 | $176 |
| Maryland | $2,247 | $1,123 | $187 |
| Maine | $1,726 | $863 | $144 |
| Michigan | $2,983 | $1,491 | $249 |
| Minnesota | $2,562 | $1,281 | $213 |
| Missouri | $2,982 | $1,491 | $249 |
| Mississippi | $2,396 | $1,198 | $200 |
| Montana | $2,458 | $1,229 | $205 |
| North Carolina | $2,017 | $1,009 | $168 |
| North Dakota | $2,084 | $1,042 | $174 |
| Nebraska | $2,569 | $1,285 | $214 |
| New Hampshire | $1,790 | $895 | $149 |
| New Jersey | $2,266 | $1,133 | $189 |
| New Mexico | $2,412 | $1,206 | $201 |
| Nevada | $2,237 | $1,119 | $186 |
| New York | $1,732 | $866 | $144 |
| Ohio | $1,708 | $854 | $142 |
| Oklahoma | $2,570 | $1,285 | $214 |
| Oregon | $2,177 | $1,089 | $181 |
| Pennsylvania | $2,501 | $1,251 | $208 |
| Rhode Island | $2,854 | $1,427 | $238 |
| South Carolina | $2,306 | $1,153 | $192 |
| South Dakota | $2,885 | $1,443 | $240 |
| Tennessee | $2,374 | $1,187 | $198 |
| Texas | $3,516 | $1,758 | $293 |
| Utah | $1,941 | $970 | $162 |
| Virginia | $1,707 | $853 | $142 |
| Vermont | $1,689 | $844 | $141 |
| Washington | $2,034 | $1,017 | $169 |
| Wisconsin | $1,775 | $887 | $148 |
| West Virginia | $2,254 | $1,127 | $188 |
| Wyoming | $2,473 | $1,236 | $206 |
How your age impacts Jeep Grand Cherokee insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,662 | $4,331 | $722 |
| Adults | $2,371 | $1,185 | $198 |
The bottom line
Knowing how much it costs to insure your Jeep Grand Cherokee is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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