Is Car Insurance Cheaper for a Jeep Grand Cherokee or Ford Explorer?

One costs nearly $150 less per year to insure, but it might not be the one you think.

Start QuoteCompare car insurance rates and save on your next policy.

  • For a 2022 Jeep Grand Cherokee, average full-coverage car insurance rates cost from $1,514 to $1,818 per year, while insurance on a 2022 Ford Explorer costs from $1,318 to $1,516, depending on the model being insured.
  • Average car insurance cost per month for the Jeep Grand Cherokee is 16.7% higher than the Ford Explorer, at $140 versus $120, a difference of $20.
  • With 29 models in the 2022 midsize SUV segment, the Jeep Grand Cherokee ranks #24 and the Ford Explorer ranks #7 for cheapest auto insurance.
  • When compared to the average cost of car insurance in the U.S. of $1,567 per year, the Jeep Grand Cherokee averages $113 more per year, while the Ford Explorer costs $133 less per year.

Is a Grand Cherokee or an Explorer cheaper to insure?

When comparing 2022 Jeep Grand Cherokee and Ford Explorer models, the one with the cheapest average auto insurance rates is the Ford Explorer. Insurance on the Jeep Grand Cherokee averages $1,680 per year, and insurance for the Ford Explorer averages $1,434 per year.

For a 2022 Jeep Grand Cherokee, average insurance rates range from $1,514 per year for the Laredo model up to the most expensive rate of $1,818 for the Summit Reserve 4xe model. The cheapest three models to insure are the Laredo, L Laredo, and Altitude.

For a 2022 Ford Explorer, rates range from $1,318 per year on the XLT 2WD model up to $1,516 for the most expensive Platinum 4WD model. The three cheapest Explorer models to insure are the XLT 2WD, 2WD, and XLT 4WD.

The table shown below compares the cost of car insurance for 2022 Jeep Grand Cherokee and Ford Explorer models, with average cost for each trim level.

2022 Jeep Grand Cherokee vs Ford Explorer Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,318$110
$1,346$112
$1,348$112
$1,378$115
$1,420$118
$1,428$119
$1,432$119
$1,440$120
$1,446$121
$1,450$121
$1,466$122
$1,498$125
$1,502$125
$1,512$126
$1,514$126
$1,516$126
$1,538$128
$1,576$131
$1,594$133
$1,602$134
$1,622$135
$1,664$139
$1,702$142
$1,714$143
$1,720$143
$1,734$145
$1,754$146
$1,762$147
$1,778$148
$1,800$150
$1,818$152

Get Rates in Your AreaWhy is this important?

Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Jeep Grand Cherokee and a 2022 Ford Explorer. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 7, 2022
2022 Jeep Grand Cherokee vs Ford Explorer Insurance Cost by Trim Level

The chart below shows the average cost to insure both 2022 models rated for different driver ages.

The average cost of car insurance ranges from $1,530 to $3,346 per year on a 2022 Jeep Grand Cherokee, and $1,304 to $2,834 for a 2022 Ford Explorer for the included driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Jeep Grand Cherokee and a 2022 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2022 Jeep Grand Cherokee vs. 2022 Ford Explorer Insurance Cost
2022 Jeep Grand Cherokee vs. 2022 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$3,346$1,774$1,680$1,530
Ford Explorer$2,834$1,520$1,434$1,304

Out of 16 Jeep Grand Cherokee trims, the cheapest 2022 trim to insure is the Laredo trim at an average cost of $1,514 per year. Out of the 15 trim levels available for the Ford Explorer, the cheapest 2022 model to insure is the XLT 2WD model at a cost of $1,318.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to insure is the Ford Explorer XLT 2WD at a cost of $1,318 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Summit Reserve 4xe at a cost of $1,818 per year.

The two tables below break down the cost to insure the available trim levels for both 2022 models, along with an average cost for each model. The model with cheapest overall car insurance cost for 2022 is the Ford Explorer.

2022 Jeep Grand Cherokee

$1,680

Insurance Rates by Trim Level for 2022 Jeep Grand Cherokee
2022 Jeep Grand Cherokee TrimsRate
Laredo$1,514
L Laredo1,538
Altitude1,576
L Altitude1,594
Limited1,602
L Limited1,622
Trailhawk1,664
Overland1,702
L Overland1,714
4xe1,720
Summit1,734
Trailhawk 4xe1,754
Summit Reserve1,762
Overland 4xe1,778
Summit 4xe1,800
Summit Reserve 4xe1,818
2022 Jeep Grand Cherokee Average Rate$1,680

2022 Ford Explorer

$1,434

Insurance Rates by Trim Level for 2022 Jeep Grand Cherokee
2022 Ford Explorer TrimsRate
XLT 2WD$1,318
2WD1,346
XLT 4WD1,348
4WD1,378
ST 2WD1,420
ST-Line 2WD1,428
Limited 2WD1,432
Timberline 4WD1,440
ST-Line 4WD1,446
Limited 4WD1,450
ST 4WD1,466
King Ranch 2WD1,498
Platinum 2WD1,502
King Ranch 4WD1,512
Platinum 4WD1,516
2022 Ford Explorer Average Rate$1,434

2021 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance rates for 2021 models, the Jeep Grand Cherokee costs an average of $1,664 per year for a full-coverage policy and the Ford Explorer costs $1,460, making the Ford Explorer the model with cheaper insurance by $204.

The chart below demonstrates the average cost to insure the two models using different driver ages. A full-coverage car insurance policy ranges from $1,516 to $3,322 per year for a 2021 Jeep Grand Cherokee, and $1,330 to $2,892 on a 2021 Ford Explorer for the driver ages used.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2021 Jeep Grand Cherokee and a 2021 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2021 Jeep Grand Cherokee vs. 2021 Ford Explorer Insurance Cost
2021 Jeep Grand Cherokee vs. 2021 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$3,322$1,758$1,664$1,516
Ford Explorer$2,892$1,540$1,460$1,330

For the 26 trims available for the 2021 Jeep Grand Cherokee, the cheapest model to insure is the Laredo 2WD trim at an average cost of $1,376 per year. For the 13 trim and option levels available for the Ford Explorer, the cheapest 2021 trim level to insure is the 2WD model at a cost of $1,284 per year, or about $107 per month.

When looking at the combined rates by trim level for both models, the lowest-cost model and trim level to put coverage on is the Ford Explorer 2WD at a cost of $1,284 per year, and the overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at an average of $1,962 per year.

The tables below illustrate average car insurance cost by trim level for each 2021 model, plus the average rate for each model.

2021 Jeep Grand Cherokee

$1,664

Insurance Rates by Trim Level for 2021 Jeep Grand Cherokee
2021 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,376
Laredo 4WD1,434
Limited 2WD1,478
Limited Luxury Group II 2WD1,524
Trailhawk 4WD1,524
Limited 4WD1,546
Limited Luxury Group II 4WD1,546
Limited Off-Road Adventure 4WD1,546
Overland 2WD1,570
Overland 4WD1,570
Trailhawk Luxury Group 4WD1,570
Summit 2WD1,616
Summit Black Roof 2WD1,616
Summit 4WD1,638
Summit Signature Leather 2WD1,660
Summit Black Roof 4WD1,674
Summit Signature Leather 4WD1,674
SRT 4WD1,736
SRT Dual Pane Sunroof 4WD1,782
SRT High Performance Audio 4WD1,782
SRT Signature Leather 4WD1,782
Trackhawk 4WD1,918
Trackhawk Black Roof 4WD1,918
Trackhawk Dual Pane Sunroof 4WD1,918
Trackhawk High Performance Audio 4WD1,918
Trackhawk Signature Leather 4WD1,962
2021 Jeep Grand Cherokee Average Rate$1,664

2021 Ford Explorer

$1,460

Insurance Rates by Trim Level for 2021 Jeep Grand Cherokee
2021 Ford Explorer TrimsRate
2WD$1,284
4WD1,328
XLT 2WD1,374
XLT 4WD1,374
Police 4WD1,418
Limited 2WD1,464
Timberline 4WD1,496
Limited 4WD1,510
ST 4WD1,510
King Ranch 2WD1,542
King Ranch 4WD1,554
Platinum 2WD1,554
Platinum 4WD1,568
2021 Ford Explorer Average Rate$1,460

2020 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance rates for 2020 models, a Jeep Grand Cherokee costs an average of $1,632 per year to insure while a Ford Explorer costs $1,396, making the Ford Explorer more affordable to insure by $236 per year for this comparison year.

The chart shown below displays the average insurance cost for both models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,488 to $3,262 per year for a 2020 Jeep Grand Cherokee, and $1,272 to $2,766 for a 2020 Ford Explorer for the chosen age groups in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Jeep Grand Cherokee and a 2020 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2020 Jeep Grand Cherokee vs. 2020 Ford Explorer Insurance Cost
2020 Jeep Grand Cherokee vs. 2020 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$3,262$1,722$1,632$1,488
Ford Explorer$2,766$1,470$1,396$1,272

Out of 26 Jeep Grand Cherokee trim levels, the cheapest 2020 model to insure is the Laredo 2WD trim at an average cost of $1,352 per year.

Out of the nine different option levels available for the Ford Explorer, the cheapest 2020 model to insure is the 2WD model at a cost of $1,260.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to buy insurance for is the Ford Explorer 2WD at a cost of $1,260 per year. The highest-cost model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD costing an average of $1,922 per year.

The tables shown below break down the cost to insure the available trim levels for both 2020 models, plus the average rate for each model. The 2020 Ford Explorer has cheaper average auto insurance rates than the 2020 Jeep Grand Cherokee.

2020 Jeep Grand Cherokee

$1,632

Insurance Rates by Trim Level for 2020 Jeep Grand Cherokee
2020 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,352
Laredo 4WD1,408
Limited 2WD1,452
Limited Luxury Group II 2WD1,496
Trailhawk 4WD1,496
Limited 4WD1,518
Limited Luxury Group II 4WD1,518
Limited Off-Road Adventure 4WD1,518
Overland 2WD1,540
Overland 4WD1,540
Trailhawk Luxury Group 4WD1,540
Summit 2WD1,584
Summit Black Roof 2WD1,584
Summit 4WD1,606
Summit Signature Leather 2WD1,628
Summit Black Roof 4WD1,642
Summit Signature Leather 4WD1,642
SRT 4WD1,702
SRT Dual Pane Sunroof 4WD1,748
SRT High Performance Audio 4WD1,748
SRT Signature Leather 4WD1,748
Trackhawk 4WD1,878
Trackhawk Black Roof 4WD1,878
Trackhawk Dual Pane Sunroof 4WD1,878
Trackhawk High Performance Audio 4WD1,878
Trackhawk Signature Leather 4WD1,922
2020 Jeep Grand Cherokee Average Rate$1,632

2020 Ford Explorer

$1,396

Insurance Rates by Trim Level for 2020 Jeep Grand Cherokee
2020 Ford Explorer TrimsRate
2WD$1,260
4WD1,304
XLT 2WD1,346
XLT 4WD1,346
Police 4WD1,392
Limited 2WD1,434
Limited 4WD1,480
ST 4WD1,480
Platinum 4WD1,522
2020 Ford Explorer Average Rate$1,396

2019 Jeep Grand Cherokee vs. Ford Explorer

When comparing car insurance rates for 2019 models, a Jeep Grand Cherokee costs an average of $1,514 per year to insure while a Ford Explorer costs $1,376, making the Ford Explorer cheaper to insure by $138 per year.

The rate chart below illustrates the average car insurance cost for the two models for the 20 to 50-year-old driver age groups. For a 2019 Jeep Grand Cherokee, average car insurance cost ranges from $1,382 to $3,036 per year for the sample drivers in the chart. Auto insurance for a 2019 Ford Explorer costs from $1,252 to $2,736 on average per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Jeep Grand Cherokee and a 2019 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2019 Jeep Grand Cherokee vs. 2019 Ford Explorer Insurance Cost
2019 Jeep Grand Cherokee vs. 2019 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$3,036$1,592$1,514$1,382
Ford Explorer$2,736$1,446$1,376$1,252

Out of 11 trims for the 2019 Jeep Grand Cherokee, the cheapest insurance prices are on the Laredo 2WD trim at a cost of $1,322 per year, or about $110 per month.

For the eight trim and option levels available for the Ford Explorer, the cheapest 2019 trim level to insure is the 2WD model at a cost of $1,274 per year, or $106 per month.

When all 19 trims of both models are combined and compared, the cheapest vehicle to put coverage on is the Ford Explorer 2WD at an average rate of $1,274 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk 4WD at a cost of $1,838 per year.

The two tables below display the cost to insure the available trim levels for both 2019 models, including an overall average cost for each model. The winner for the 2019 car insurance comparison is the Ford Explorer.

2019 Jeep Grand Cherokee

$1,514

Insurance Rates by Trim Level for 2019 Jeep Grand Cherokee
2019 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,322
Laredo 4WD1,378
Limited 2WD1,420
Limited 4WD1,464
Trailhawk 4WD1,464
Overland 2WD1,506
Overland 4WD1,506
Summit 2WD1,548
Summit 4WD1,548
SRT 4WD1,666
Trackhawk 4WD1,838
2019 Jeep Grand Cherokee Average Rate$1,514

2019 Ford Explorer

$1,376

Insurance Rates by Trim Level for 2019 Jeep Grand Cherokee
2019 Ford Explorer TrimsRate
2WD$1,274
4WD1,316
XLT 2WD1,316
XLT 4WD1,360
Limited 2WD1,402
Limited 4WD1,402
Sport 4WD1,444
Platinum 4WD1,488
2019 Ford Explorer Average Rate$1,376

2018 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance cost for 2018 models, a Jeep Grand Cherokee costs an average of $1,450 per year to insure while a Ford Explorer costs $1,330, making the Ford Explorer cheaper to insure by $120 per year for this comparison year.

The next chart illustrates the average insurance cost for both models for drivers from age 20 to 50. The average full-coverage insurance policy ranges from $1,324 to $2,908 per year on a 2018 Jeep Grand Cherokee, and $1,212 to $2,646 on a 2018 Ford Explorer for the five age groups shown in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Jeep Grand Cherokee and a 2018 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2018 Jeep Grand Cherokee vs. 2018 Ford Explorer Insurance Cost
2018 Jeep Grand Cherokee vs. 2018 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$2,908$1,524$1,450$1,324
Ford Explorer$2,646$1,396$1,330$1,212

The 2018 Jeep Grand Cherokee has 11 trims available, with the cheapest trim level to insure being the Laredo 2WD trim at an average cost of $1,292 per year. Out of the nine trim options available for the Ford Explorer, the cheapest 2018 model to insure is the 2WD model at a cost of $1,242 per year, or $104 per month.

When rates are compared for the 20 trim options of both 2018 models, the cheapest vehicle to buy insurance for is the Ford Explorer 2WD at an average rate of $1,242 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk 4WD costing $1,788 per year.

The next two rate tables display average cost to insure each trim level for a 2018 Jeep Grand Cherokee and Ford Explorer, including an overall average rate. The cheapest model to insure for the 2018 model year is the Ford Explorer.

2018 Jeep Grand Cherokee

$1,450

Insurance Rates by Trim Level for 2018 Jeep Grand Cherokee
2018 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,292
Laredo 4WD1,292
Limited 2WD1,386
Limited 4WD1,428
Overland 2WD1,428
SRT 4WD1,428
Trailhawk 4WD1,428
Overland 4WD1,468
Summit 2WD1,510
Summit 4WD1,510
Trackhawk 4WD1,788
2018 Jeep Grand Cherokee Average Rate$1,450

2018 Ford Explorer

$1,330

Insurance Rates by Trim Level for 2018 Jeep Grand Cherokee
2018 Ford Explorer TrimsRate
2WD$1,242
Police Edition 4WD1,242
4WD1,284
XLT 2WD1,284
XLT 4WD1,324
Limited 2WD1,366
Limited 4WD1,366
Sport 4WD1,406
Platinum 4WD1,448
2018 Ford Explorer Average Rate$1,330

2017 Jeep Grand Cherokee vs. Ford Explorer

A 2017 Ford Explorer costs $116 less per year to insure per year on average than a 2017 Jeep Grand Cherokee, a difference of 9%.

The following chart shows the average insurance cost for the two models using a range of rated driver ages. For a 2017 Jeep Grand Cherokee, average insurance cost ranges from $1,284 to $2,820 per year for the five driver age examples in the chart. Insurance on a 2017 Ford Explorer ranges from $1,176 to $2,570 on average per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Jeep Grand Cherokee and a 2017 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2017 Jeep Grand Cherokee vs. 2017 Ford Explorer Insurance Cost
2017 Jeep Grand Cherokee vs. 2017 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$2,820$1,474$1,406$1,284
Ford Explorer$2,570$1,354$1,290$1,176

Out of 16 Jeep Grand Cherokee trims, the cheapest 2017 trim level to insure is the Laredo 2WD trim at an average cost of $1,262 per year.

The 2017 Ford Explorer has nine different trim levels available, with the cheapest trim to insure being the 2WD model at an average cost of $1,210 per year.

When rates for all 25 trim levels for both vehicles are compared, the cheapest model and trim level to put coverage on is the Ford Explorer 2WD at an average of $1,210 per year, and the most expensive vehicle to insure is the Jeep Grand Cherokee Summit 4WD Diesel at a cost of $1,512 per year.

The rate tables below detail the average insurance cost by trim level for both 2017 models, including an overall average cost for each model. The 2017 Ford Explorer has lower-cost car average car insurance rates than the 2017 Jeep Grand Cherokee.

2017 Jeep Grand Cherokee

$1,406

Insurance Rates by Trim Level for 2017 Jeep Grand Cherokee
2017 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,262
Laredo 4WD1,262
Limited 2WD1,352
Limited 4WD1,352
Limited 2WD Diesel1,392
Limited 4WD Diesel1,392
Overland 2WD1,392
Trailhawk 4WD1,392
Overland 2WD Diesel1,432
Overland 4WD1,432
Trailhawk 4WD Diesel1,432
Overland 4WD Diesel1,470
Summit 2WD1,470
Summit 2WD Diesel1,470
Summit 4WD1,470
Summit 4WD Diesel1,512
2017 Jeep Grand Cherokee Average Rate$1,406

2017 Ford Explorer

$1,290

Insurance Rates by Trim Level for 2017 Jeep Grand Cherokee
2017 Ford Explorer TrimsRate
2WD$1,210
Police Edition 4WD1,210
4WD1,250
XLT 2WD1,250
XLT 4WD1,250
Limited 2WD1,330
Limited 4WD1,330
Sport 4WD1,368
Platinum 4WD1,408
2017 Ford Explorer Average Rate$1,290

2016 Jeep Grand Cherokee vs. Ford Explorer

For the 2016 Jeep Grand Cherokee and Ford Explorer models, the Jeep Grand Cherokee costs less to insure by an average of $76 per year.

The following chart visualizes the average cost to insure the two models for drivers aged 20 to 50. For a 2016 Jeep Grand Cherokee, the average cost of car insurance ranges from $1,172 to $2,562 per year for the driver examples in the chart. Full-coverage car insurance for a 2016 Ford Explorer costs from $1,242 to $2,726 on average per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Jeep Grand Cherokee and a 2016 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2016 Jeep Grand Cherokee vs. 2016 Ford Explorer Insurance Cost
2016 Jeep Grand Cherokee vs. 2016 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$2,562$1,346$1,284$1,172
Ford Explorer$2,726$1,424$1,360$1,242

For the 15 trims available for the 2016 Jeep Grand Cherokee, the cheapest trim to insure is the Laredo 2WD trim at an average cost of $1,106 per year, or $92 per month. Out of the nine different option levels available for the Ford Explorer, the cheapest 2016 model to insure is the 2WD trim at a cost of $1,292 per year, or about $108 per month.

When car insurance rates for all 24 trims of both models are combined sorted by cost, the most affordable model and trim level to put coverage on is the Jeep Grand Cherokee Laredo 2WD at an average rate of $1,106 per year, and the highest-cost model and trim level is the Ford Explorer Platinum 4WD at an average cost of $1,478 per year.

The next two tables display the average insurance cost by trim level for both 2016 models, plus an average rate for each model. The model with cheapest auto insurance rates for 2016 is the Jeep Grand Cherokee.

2016 Jeep Grand Cherokee

$1,284

Insurance Rates by Trim Level for 2016 Jeep Grand Cherokee
2016 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,106
Laredo 4WD1,144
Limited 2WD1,230
Limited 4WD1,230
Limited 2WD Diesel1,266
Limited 4WD Diesel1,266
Overland 2WD1,266
Overland 2WD Diesel1,304
Overland 4WD1,304
Summit 2WD1,304
Overland 4WD Diesel1,340
Summit 2WD Diesel1,340
Summit 4WD1,340
Summit 4WD Diesel1,378
SRT8 4WD1,440
2016 Jeep Grand Cherokee Average Rate$1,284

2016 Ford Explorer

$1,360

Insurance Rates by Trim Level for 2016 Jeep Grand Cherokee
2016 Ford Explorer TrimsRate
2WD$1,292
4WD1,292
Police Edition 4WD1,292
XLT 2WD1,330
XLT 4WD1,330
Limited 2WD1,404
Limited 4WD1,404
Sport 4WD1,404
Platinum 4WD1,478
2016 Ford Explorer Average Rate$1,360

2015 Jeep Grand Cherokee vs. Ford Explorer

A 2015 Ford Explorer costs $86 less per year to insure per year on average than a 2015 Jeep Grand Cherokee, a difference of 6.9%.

The chart below visualizes the average cost to insure both 2015 models rated for multiple driver ages. For a 2015 Jeep Grand Cherokee, insurance cost ranges from $1,218 to $2,666 per year for the five driver age examples in the chart. Auto insurance on a 2015 Ford Explorer ranges from $1,140 to $2,486 on average per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Jeep Grand Cherokee and a 2015 Ford Explorer with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Jeep Grand Cherokee and Ford Explorer trim levels.Data last updated on November 7, 2022
2015 Jeep Grand Cherokee vs. 2015 Ford Explorer Insurance Cost
2015 Jeep Grand Cherokee vs. 2015 Ford Explorer Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Jeep Grand Cherokee$2,666$1,394$1,334$1,218
Ford Explorer$2,486$1,300$1,248$1,140

For the nine trim levels available for the 2015 Jeep Grand Cherokee, the cheapest trim to insure is the Laredo 2WD trim at an average cost of $1,198 per year. For the eight trim levels available for the Ford Explorer, the cheapest 2015 trim package to insure is the 2WD trim at a cost of $1,208.

When trim-level rates for both models are compared, the cheapest model and trim level to buy insurance for is the Jeep Grand Cherokee Laredo 2WD at an average cost of $1,198 per year, and the most expensive model and trim level is the Jeep Grand Cherokee SRT8 4WD costing an average of $1,478 per year.

The tables below detail trim level insurance rates for each 2015 model, as well as an average rate for each model. The 2015 Ford Explorer is the winner over the 2015 Jeep Grand Cherokee for cheapest auto insurance rates.

2015 Jeep Grand Cherokee

$1,334

Insurance Rates by Trim Level for 2015 Jeep Grand Cherokee
2015 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,198
Laredo 4WD1,232
Limited 2WD1,304
Limited 4WD1,304
Overland 2WD1,338
Overland 4WD1,372
Summit 2WD1,372
Summit 4WD1,408
SRT8 4WD1,478
2015 Jeep Grand Cherokee Average Rate$1,334

2015 Ford Explorer

$1,248

Insurance Rates by Trim Level for 2015 Jeep Grand Cherokee
2015 Ford Explorer TrimsRate
2WD$1,208
4WD1,208
Police Edition 4WD1,208
XLT 2WD1,208
XLT 4WD1,242
Limited 2WD1,278
Limited 4WD1,314
Sport 4WD1,314
2015 Ford Explorer Average Rate$1,248

Additional Jeep Grand Cherokee and Ford Explorer Resources