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

• For a 2023 Jeep Grand Cherokee, average full-coverage car insurance rates cost from $1,730 to $2,078 per year, while insurance on a 2023 Ford Explorer costs from $1,398 to $1,602, depending on the model being insured.
• Average car insurance cost per month for the Jeep Grand Cherokee is 22.1% higher than the Ford Explorer, at $161 versus $129, a difference of $32.
• With 31 models in the 2023 midsize SUV segment, the Jeep Grand Cherokee ranks 24^th and the Ford Explorer ranks fourth for cheapest auto insurance.
• When compared to the average cost of car insurance in the U.S. of $1,728 per year, the Jeep Grand Cherokee averages $198 more per year, while the Ford Explorer costs $186 less per year.

Is a Grand Cherokee or an Explorer cheaper to insure?

When comparing the Jeep Grand Cherokee and Ford Explorer for the 2023 model year, the cheapest to insure is the Ford Explorer. Insurance on the Jeep Grand Cherokee averages $1,926 per year, whereas insurance for a Ford Explorer averages $1,542 per year.

For the 16 trims available for the 2023 Jeep Grand Cherokee, the cheapest model to insure is the Laredo 2WD model at an average cost of $1,730 per year, or $144 per month. The 2023 Ford Explorer has 17 trims available, with the cheapest trim level to insure being the XLT 2WD trim at an average cost of $1,398 per year.

When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level to insure is the Ford Explorer XLT 2WD at an average of $1,398 per year, and the highest-cost model and trim level is the Jeep Grand Cherokee Summit Reserve 4xe at an average cost of $2,078 per year.

The next table compares the annual and monthly cost of car insurance for 2023 Jeep Grand Cherokee and Ford Explorer models, showing average premium cost for each trim level.

The chart below illustrates the average cost to insure the two models rated for a variety of different driver ages. For a 2023 Jeep Grand Cherokee, the average car insurance cost ranges from $1,754 to $3,830 per year. A 2023 Ford Explorer costs from $1,400 to $3,036 to insure per year.

The rate tables below show average car insurance rates for every trim level for both 2023 models, including an overall average cost for each model.

2022 Jeep Grand Cherokee vs. Ford Explorer

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 $1,876 per year, and insurance for the Ford Explorer averages $1,592 per year.

For a 2022 Jeep Grand Cherokee, average insurance rates range from $1,690 per year for the Laredo model up to the most expensive rate of $2,028 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 $1,466 per year on the XLT 2WD model up to $1,682 for the most expensive Platinum 4WD model. The three cheapest Explorer models to insure are the XLT 2WD, XLT 4WD, and 2WD.

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.

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 $1,708 to $3,732 per year on a 2022 Jeep Grand Cherokee, and $1,448 to $3,154 for a 2022 Ford Explorer for the included driver ages.

Out of 16 Jeep Grand Cherokee trims, the cheapest 2022 trim to insure is the Laredo trim at an average cost of $1,690 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 $1,466.

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 $1,466 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Summit Reserve 4xe at a cost of $2,028 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 the cheapest overall car insurance cost for 2022 is the Ford Explorer.

2021 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance rates for 2021 models, the Jeep Grand Cherokee costs an average of $1,866 per year for a full-coverage policy and the Ford Explorer costs $1,630, making the Ford Explorer the model with cheaper insurance by $236.

The chart below demonstrates the average cost to insure the two models using different driver ages. A full-coverage car insurance policy ranges from $1,700 to $3,726 per year for a 2021 Jeep Grand Cherokee, and $1,484 to $3,240 on a 2021 Ford Explorer for the driver ages used.

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 $1,546 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 $1,434 per year, or about $120 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 $1,434 per year, and the overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at an average of $2,196 per year.

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

2020 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance rates for 2020 models, a Jeep Grand Cherokee costs an average of $1,840 per year to insure while a Ford Explorer costs $1,568, making the Ford Explorer more affordable to insure by $272 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 $1,678 to $3,676 per year for a 2020 Jeep Grand Cherokee, and $1,430 to $3,118 for a 2020 Ford Explorer for the chosen age groups in the chart.

Out of 26 Jeep Grand Cherokee trim levels, the cheapest 2020 model to insure is the Laredo 2WD trim at an average cost of $1,526 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 $1,416.

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 $1,416 per year. The highest-cost model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD costing an average of $2,164 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.

2019 Jeep Grand Cherokee vs. Ford Explorer

When comparing car insurance rates for 2019 models, a Jeep Grand Cherokee costs an average of $1,690 per year to insure while a Ford Explorer costs $1,526, making the Ford Explorer cheaper to insure by $164 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 $1,542 to $3,382 per year for the sample drivers in the chart. Auto insurance for a 2019 Ford Explorer costs from $1,394 to $3,044 on average per year.

Out of 11 trims for the 2019 Jeep Grand Cherokee, the cheapest insurance prices are on the Laredo 2WD trim at a cost of $1,478 per year, or about $123 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 $1,416 per year, or $118 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 $1,416 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk 4WD at a cost of $2,042 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.

2018 Jeep Grand Cherokee vs. Ford Explorer

When comparing insurance cost for 2018 models, a Jeep Grand Cherokee costs an average of $1,618 per year to insure while a Ford Explorer costs $1,474, making the Ford Explorer cheaper to insure by $144 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 $1,478 to $3,240 per year on a 2018 Jeep Grand Cherokee, and $1,346 to $2,944 on a 2018 Ford Explorer for the five age groups shown in the chart.

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 $1,444 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 $1,380 per year, or $115 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 $1,380 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk 4WD costing $1,986 per year.

The next two rate tables display the 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.

2017 Jeep Grand Cherokee vs. Ford Explorer

A 2017 Ford Explorer costs $134 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 $1,412 to $3,096 per year for the five driver age examples in the chart. Insurance on a 2017 Ford Explorer ranges from $1,290 to $2,816 on average per year.

Out of 16 Jeep Grand Cherokee trims, the cheapest 2017 trim level to insure is the Laredo 2WD trim at an average cost of $1,394 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 $1,328 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 $1,328 per year, and the most expensive vehicle to insure is the Jeep Grand Cherokee Summit 4WD Diesel at a cost of $1,662 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.

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 $88 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 $1,296 to $2,832 per year for the driver examples in the chart. Full-coverage car insurance for a 2016 Ford Explorer costs from $1,378 to $3,018 on average per year.

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 $1,224 per year, or $102 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 $1,436 per year, or about $120 per month.

When car insurance rates for all 24 trims of both models are combined and 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 $1,224 per year, and the highest-cost model and trim level is the Ford Explorer Platinum 4WD at an average cost of $1,638 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 the cheapest auto insurance rates for 2016 is the Jeep Grand Cherokee.

2015 Jeep Grand Cherokee vs. Ford Explorer

A 2015 Ford Explorer costs $90 less per year to insure per year on average than a 2015 Jeep Grand Cherokee, a difference of 6.4%.

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 $1,326 to $2,890 per year for the five driver age examples in the chart. Auto insurance on a 2015 Ford Explorer ranges from $1,244 to $2,702 on average per year.

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 $1,308 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 $1,318.

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 $1,308 per year, and the most expensive model and trim level is the Jeep Grand Cherokee SRT8 4WD costing an average of $1,600 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.

Additional Jeep Grand Cherokee and Ford Explorer Resources

• Jeep Grand Cherokee Insurance Cost
• Ford Explorer Insurance Cost
• Midsize SUV Insurance Cost Comparisons