Jeep Grand Cherokee and Toyota 4Runner Insurance Cost Comparison

• At an average cost of $2,342 per year, a 2024 Jeep Grand Cherokee has more affordable car insurance rates than a 2024 Toyota 4Runner by $168 per year.
• For a 2024 model year Jeep Grand Cherokee, rates cost from $2,048 to $2,586 per year, while auto insurance for the 2024 Toyota 4Runner ranges from $2,408 to $2,652, depending on the exact model being insured.
• With 34 models in the 2024 midsize SUV category, the Jeep Grand Cherokee ranks 20^th and the Toyota 4Runner ranks 26^th for cheapest auto insurance.

Is a Grand Cherokee or 4Runner cheaper to insure?

For the 2024 model year, the vehicle with the cheapest average car insurance rates is the Jeep Grand Cherokee. Insurance on a Jeep Grand Cherokee costs an average of $2,342 per year, and the Toyota 4Runner averages $2,510 per year.

Out of 19 Jeep Grand Cherokee trim levels, the cheapest 2024 trim to insure is the Laredo A model at an average cost of $2,048 per year.

For the 11 trims available for the Toyota 4Runner, the cheapest 2024 model to insure is the SR5 2WD trim at a cost of $2,408.

When rates are compared for the 30 trim levels of both 2024 models, the lowest-cost model and trim level is the Jeep Grand Cherokee Laredo A at an average rate of $2,048 per year. The highest-cost model and trim is the Toyota 4Runner TRD Pro 4WD costing $2,652 per year.

The rate table below ranks the cost of car insurance for 2024 Jeep Grand Cherokee and Toyota 4Runner models, with average rates for each vehicle.

The rate chart below visualizes the average cost to insure both models for drivers aged 20 to 50. The average cost of car insurance ranges from $2,060 to $4,712 per year for a 2024 Jeep Grand Cherokee, and $2,238 to $5,106 for a 2024 Toyota 4Runner for the illustrated age groups.

The tables shown below display average car insurance cost by trim level for each 2024 model, plus the average rate for each model. The winner for the 2024 car insurance cost comparison is the Jeep Grand Cherokee.

2023 Jeep Grand Cherokee vs. Toyota 4Runner

Car insurance on a 2023 Jeep Grand Cherokee costs an average of $2,420 per year, while insurance for a Toyota 4Runner costs an average of $2,134 per year, making the Toyota 4Runner the model with lower average car insurance rates.

For the 16 trims available for the 2023 Jeep Grand Cherokee, the cheapest trim level to insure is the Laredo 2WD model at an average cost of $2,174 per year, or around $181 per month. For the 12 trims available for the Toyota 4Runner, the cheapest 2023 model to insure is the SR5 2WD trim at a cost of $2,026 per year, or $169 per month.

When comparing car insurance rates for both models by trim level, the cheapest trim to insure is the Toyota 4Runner SR5 2WD at a cost of $2,026 per year, and the most expensive vehicle to insure is the Jeep Grand Cherokee Summit Reserve 4xe costing an average of $2,614 per year.

The table below ranks the 12-month and monthly car insurance cost for 2023 Jeep Grand Cherokee and Toyota 4Runner models, showing average cost for every trim level.

The rate chart below demonstrates the average cost to insure both models with different driver age groups. Average car insurance cost ranges from $2,142 to $4,874 per year for a 2023 Jeep Grand Cherokee, and $1,890 to $4,318 for a 2023 Toyota 4Runner for the driver ages used.

The next two rate tables show both 2023 models and all trim levels available for each one, plus an average rate for each model.

2022 Jeep Grand Cherokee vs. Toyota 4Runner

Insurance cost for a 2022 Jeep Grand Cherokee averages $2,356 per year, whereas insurance for a 2022 Toyota 4Runner averages $2,084 per year, making the Toyota 4Runner the cheaper model to insure.

Within each different model, however, insurance rates vary quite a bit depending on the exact trim level of the vehicle being insured. Using the Jeep Grand Cherokee as an example, insurance rates range from the cheapest rate of $2,124 per year for the Laredo model up to $2,550 for the Summit Reserve 4xe model. For a 2022 Toyota 4Runner, rates range from $1,978 per year on the SR5 2WD model up to $2,234 on the most expensive TRD Pro 4WD model.

When looking at individual trim levels, the most affordable Grand Cherokee models to insure are the Laredo, L Laredo, and Altitude. The most affordable 4Runner models to insure include the SR5 2WD, SR5 4WD, and Trail Special Edition 2WD.

The next table ranks the cost of car insurance for 2022 Jeep Grand Cherokee and Toyota 4Runner models, with average rates for each trim level.

The following chart illustrates the average insurance cost for both models with different driver age groups. For the 2022 Jeep Grand Cherokee, the average cost of car insurance ranges from $2,086 to $4,756 per year. Full-coverage car insurance on the 2022 Toyota 4Runner ranges from $1,846 to $4,224 on average per year.

For the 16 trim levels available for a 2022 Jeep Grand Cherokee, the lowest-cost model to insure is the Laredo model at an average cost of $2,124 per year, or $177 per month. For the 13 trim levels available for the Toyota 4Runner, the most affordable 2022 model to insure is the SR5 2WD trim at a cost of $1,978.

When all 29 trims of both models are combined and compared, the most affordable model and trim level to insure is the Toyota 4Runner SR5 2WD at an average of $1,978 per year. The most expensive trim is the Jeep Grand Cherokee Summit Reserve 4xe at an average cost of $2,550 per year.

The rate tables below detail trim level insurance rates for each 2022 model, as well as an average rate for each model. The winner for the 2022 car insurance rate comparison is the Toyota 4Runner.

2021 Jeep Grand Cherokee vs. Toyota 4Runner

A 2021 Toyota 4Runner costs $238 less per year to insure per year on average than a 2021 Jeep Grand Cherokee, a difference of 10.7%.

The chart shown below visualizes the average insurance cost for both 2021 models for the 20 to 50-year-old driver age groups. For the 2021 Jeep Grand Cherokee, the average cost of car insurance ranges from $2,080 to $4,756 per year for the chosen age groups in the chart. A full-coverage policy for the 2021 Toyota 4Runner costs from $1,874 to $4,294 on average per year.

Out of 26 Jeep Grand Cherokee trims, the lowest-cost 2021 trim level to insure is the Laredo 2WD trim at an average cost of $1,938 per year. For the 12 trim levels available for a Toyota 4Runner, the most affordable 2021 trim level to insure is the SR/5 2WD model at a cost of $2,048.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Jeep Grand Cherokee Laredo 2WD at an average cost of $1,938 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD costing $2,774 per year.

The tables below illustrate the average insurance cost by trim level for both 2021 models, along with the average rate for each model. The cheapest model to insure for the 2021 model year is the Toyota 4Runner.

2020 Jeep Grand Cherokee vs. Toyota 4Runner

A 2020 Toyota 4Runner costs $212 less per year to insure per year on average than a 2020 Jeep Grand Cherokee, a difference of 9.8%.

The following chart displays the average insurance cost for both models for drivers from age 20 to 50. The average full-coverage insurance policy ranges from $2,002 to $4,574 per year for a 2020 Jeep Grand Cherokee, and $1,820 to $4,168 on a 2020 Toyota 4Runner for the illustrated age groups.

For the 26 trim levels available for a 2020 Jeep Grand Cherokee, the cheapest trim level to insure is the Laredo 2WD trim at an average cost of $1,866 per year, or around $156 per month.

Out of the 12 trim and option levels available for the Toyota 4Runner, the most affordable 2020 trim level to insure is the SR/5 2WD trim at a cost of $1,988.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to buy insurance for is the Jeep Grand Cherokee Laredo 2WD at an average cost of $1,866 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at a cost of $2,670 per year.

The next tables detail the average cost to insure all 2020 trim levels, as well as an average rate for each model. The 2020 Toyota 4Runner is the winner over the 2020 Jeep Grand Cherokee for cheapest car insurance rates.

2019 Jeep Grand Cherokee vs. Toyota 4Runner

For the 2019 Jeep Grand Cherokee and Toyota 4Runner models, the Toyota 4Runner has cheaper car insurance cost by an average of $282 per year for this comparison year.

The chart shown below demonstrates the average car insurance cost for the two models rated for a variety of different driver ages. For the 2019 Jeep Grand Cherokee, the average cost of car insurance ranges from $1,844 to $4,222 per year for the illustrated age groups. Full-coverage insurance on the 2019 Toyota 4Runner costs from $1,594 to $3,644 on average per year.

Out of 11 Jeep Grand Cherokee trims, the lowest-cost 2019 trim level to insure is the Laredo 2WD model at an average cost of $1,812 per year.

For the nine trim levels available for a Toyota 4Runner, the lowest-cost 2019 trim to insure is the SR/5 2WD trim at a cost of $1,710 per year, or around $143 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to buy insurance for is the Toyota 4Runner SR/5 2WD at a cost of $1,710 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk 4WD costing an average of $2,522 per year.

The two tables below show average car insurance rates for each trim level, plus the average rate for each model. The model with the cheapest car insurance rates for 2019 is the Toyota 4Runner.

2018 Jeep Grand Cherokee vs. Toyota 4Runner

When comparing insurance cost for 2018 models, a Jeep Grand Cherokee costs an average of $1,950 per year to insure and a Toyota 4Runner costs $1,704, making the Toyota 4Runner cheaper to insure by $246 per year for 2018.

The chart below displays the average car insurance cost for the two models rated for multiple driver ages. For the 2018 Jeep Grand Cherokee, average insurance cost ranges from $1,734 to $3,960 per year for the example age groups. Car insurance for a 2018 Toyota 4Runner ranges from $1,516 to $3,452 on average per year.

A 2018 Jeep Grand Cherokee has 11 trims available, with the most affordable trim level to insure being the Laredo 2WD model at an average cost of $1,738 per year, or $145 per month. For the nine different trim levels available for a Toyota 4Runner, the most affordable 2018 model to insure is the SR/5 2WD trim at a cost of $1,636 per year, or about $136 per month.

When all 20 trims of both models are combined and compared, the cheapest vehicle to put coverage on is the Toyota 4Runner SR/5 2WD at an average rate of $1,636 per year, and the most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk 4WD at a cost of $2,404 per year.

The two tables below illustrate average car insurance rates for every trim level for both 2018 models, as well as the overall average rate for each model.

2017 Jeep Grand Cherokee vs. Toyota 4Runner

For the 2017 Jeep Grand Cherokee and Toyota 4Runner models, the Toyota 4Runner costs less to insure by an average of $228 per year for this model year.

The next chart demonstrates the average car insurance cost for both 2017 models using a range of rated driver ages. For a 2017 Jeep Grand Cherokee, the average cost of car insurance ranges from $1,662 to $3,786 per year for the illustrated age groups. Auto insurance on a 2017 Toyota 4Runner costs from $1,460 to $3,320 on average per year.

Out of 16 trims for a 2017 Jeep Grand Cherokee, the lowest-cost average car insurance prices are on the Laredo 2WD trim at a cost of $1,678 per year. For the nine trims available for the Toyota 4Runner, the cheapest 2017 trim to insure is the SR/5 2WD trim at a cost of $1,578 per year, or around $132 per month.

When insurance prices for all 25 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Toyota 4Runner SR/5 2WD at an average of $1,578 per year, and the highest-cost model and trim level is the Jeep Grand Cherokee Summit 4WD Diesel costing $2,008 per year.

The tables below show trim level insurance rates for each 2017 model, including the average rate for each model. The cheapest model to insure for the 2017 model year is the Toyota 4Runner.

2016 Jeep Grand Cherokee vs. Toyota 4Runner

For the 2016 Jeep Grand Cherokee and Toyota 4Runner models, the Toyota 4Runner costs less to insure by an average of $72 per year.

The next chart demonstrates the average cost to insure both models for four different driver age groups. For the 2016 Jeep Grand Cherokee, average insurance cost ranges from $1,498 to $3,382 per year for the age groups used in the chart. A full-coverage policy on the 2016 Toyota 4Runner costs from $1,432 to $3,230 on average per year.

Out of 15 Jeep Grand Cherokee trim levels, the lowest-cost 2016 trim level to insure is the Laredo 2WD trim at an average cost of $1,448 per year. For the nine trim levels available for the Toyota 4Runner, the lowest-cost 2016 model to insure is the SR/5 2WD model at a cost of $1,552 per year, or around $129 per month.

When comparing both models combined at a trim-level basis, the overall cheapest vehicle to buy insurance for is the Jeep Grand Cherokee Laredo 2WD at a cost of $1,448 per year. The highest-cost model and trim is the Jeep Grand Cherokee SRT8 4WD at a cost of $1,896 per year.

The tables below illustrate average car insurance cost by trim level for each 2016 model, including an overall average rate. The model with the cheapest car insurance rates for 2016 is the Toyota 4Runner.

2015 Jeep Grand Cherokee vs. Toyota 4Runner

For 2015 Jeep Grand Cherokee and Toyota 4Runner models, the Toyota 4Runner is cheaper to insure by an average of $126 per year.

The following chart displays the average cost to insure both models for four different driver age groups. The average car insurance cost ranges from $1,520 to $3,434 per year for a 2015 Jeep Grand Cherokee, and $1,406 to $3,188 on a 2015 Toyota 4Runner for the included driver ages.

Out of nine Jeep Grand Cherokee trim levels, the most affordable 2015 model to insure is the Laredo 2WD trim at an average cost of $1,530 per year, or about $128 per month.

For the nine different option levels available for the Toyota 4Runner, the cheapest 2015 trim package to insure is the SR/5 2WD model at a cost of $1,534.

When comparing rates by trim level for both models, the lowest-cost model and trim level to buy insurance for is the Jeep Grand Cherokee Laredo 2WD at a cost of $1,530 per year. The most expensive model and trim level is the Jeep Grand Cherokee SRT8 4WD costing an average of $1,886 per year.

The tables shown below break down the cost to insure the available trim levels for both 2015 models, including an overall average cost for each model. The cheapest of the two models to insure for the 2015 model year is the Toyota 4Runner.

Additional Jeep Grand Cherokee and Toyota 4Runner Resources

• Jeep Grand Cherokee Insurance Cost
• Toyota 4Runner Insurance Cost
• Midsize SUV Insurance Cost Comparisons