How much is insurance on a Jeep Grand Cherokee?
A 2024 Jeep Grand Cherokee runs about $1,940 a year for a typical 45-year-old, about the same as an average car of the same age: more injury claims and lower crash-repair losses and lower non-crash losses about even out. Putting a new 16-year-old on a family policy with the Grand Cherokee adds about $1,280 a year (#24 of 25 midsize SUVs we compare).
2024 Jeep Grand Cherokee (Grand Cherokee 2WD), national average
about $1,940 a year (about $160 a month)
Estimated range: $1,450–$2,600. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Grand Cherokee drops to about $1,540 (see the table below).
Priced for the 2024 Grand Cherokee 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Grand Cherokee's rank is the same in every state.
Why the Jeep Grand Cherokee costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Jeep Grand Cherokee 4dr (NEW), on HLDI's scale where 100 is an average car and lower is better, it reports 76 for crash repairs, 92 for non-crash damage, 103 for damage to others' property, and 122 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average24% better than average10th best of the 25 midsize SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% better than average16th best of the 24 midsize SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage3% worse than average22nd best of the 25 midsize SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 22% more often than averageworst of the 21 midsize SUVs we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Grand Cherokee comes out about 19% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 8% less than average: about $880 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% worse than average. We count about half, so that part is about 7% more: $1,060 a year vs $990.
In EPA size classes, the Grand Cherokee is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Jeep Grand Cherokee is benchmarked against midsize SUVs.
Matched to HLDI series “Jeep Grand Cherokee 4dr (NEW)” (HLDI, 2022–24 models).
A used Jeep Grand Cherokee, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Grand Cherokee 2WD (0–3 years old) | about $1,940 | about $1,060 | +$1,280 | about $5,560 |
 2022 Grand Cherokee 2WD (4–7 years old) | about $1,830 | about $1,060 | +$1,210 | about $5,260 |
 2018 Grand Cherokee 2WD (8–12 years old) | about $1,740 | about $1,070 | +$1,150 | about $4,980 |
 2013 Grand Cherokee 2WD (13 or more years old) | about $1,540 | about $1,000 | +$1,010 | about $4,410 |
Our catalog covers the Jeep Grand Cherokee across model years 2006–2027. Full coverage on a used 2013 Grand Cherokee (13 or more years old) runs about $1,540 a year, $400 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,000 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Jeep Grand Cherokee trims, full coverage goes from about $1,850 a year on the Grand Cherokee 4WD to about $1,960 on the Grand Cherokee L 2WD, because HLDI's loss results differ by body, drive, or powertrain.
- Grand Cherokee 4WD: about $1,850
- Grand Cherokee 4xe; Grand Cherokee L 4WD: about $1,900
- Grand Cherokee 2WD: about $1,940
- Grand Cherokee L 2WD: about $1,960
On a policy of their own with a 2024 Jeep Grand Cherokee, a 22–25-year-old pays about $2,520 a year ($580 more than a 45-year-old), a 26–39-year-old about $2,150, and a driver 65 and older about $2,040.
Adding a 16-year-old with a Jeep Grand Cherokee
Adding a new 16-year-old who drives the Jeep Grand Cherokee raises the family bill by about $1,280 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,560 a year, so keeping them on the family policy saves about $4,280 a year.
For adding a teen driver, the Jeep Grand Cherokee ranks 52nd most expensive out of all 121 models we track. Stepping down to a used 2013 Grand Cherokee (13 or more years old) brings the teen add-on to about $1,010 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize SUVs
Among these 25 midsize SUVs, the Jeep Grand Cherokee is the 2nd most expensive to insure. Right next to it are the Volkswagen ID.4 (about $1,920 a year) and the Nissan Murano (about $1,940).
2024 Kia Sorentoabout $1,860 ($80 less)
2024 Nissan Pathfinderabout $1,900 (about the same)
2024 Ford Mustang Mach-Eabout $1,910 (about the same)
2024 Volkswagen ID.4about $1,920 (about the same)- 2024 Jeep Grand Cherokeeabout $1,940 (this car)
2024 Nissan Muranoabout $1,940 (about the same)
Photos from Wikimedia Commons contributors. Photo credits.
What a Jeep Grand Cherokee costs in your state
In six sample states, a 2024 Jeep Grand Cherokee runs from about $1,320 a year in Idaho through Iowa, Nebraska, Utah and Connecticut to about $2,550 in New York:
- Idahoabout $1,320/yr · +$870 teen
- Iowaabout $1,360/yr · +$900 teen
- Nebraskaabout $1,600/yr · +$1,050 teen
- Utahabout $1,730/yr · +$1,140 teen
- Connecticutabout $2,030/yr · +$1,340 teen
- New Yorkabout $2,550/yr · +$1,690 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.