Jeep Grand Cherokee vs. Toyota Highlander – Which Insurance is Cheaper?

Does the Jeep Grand Cherokee or the Toyota Highlander have cheaper insurance rates? We compare cost for every trim level back to 2015 to see which is cheapest to insure.

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  • For the latest model year, a Toyota Highlander has cheaper car insurance rates than a Jeep Grand Cherokee by an average of $210 per year.
  • Out of 34 models in the 2024 midsize SUV segment, the Jeep Grand Cherokee ranks 20th and the Toyota Highlander ranks ninth for overall insurance affordability.
  • If cheap insurance is the top priority, the Laredo A and Laredo trims are the cheapest Jeep Grand Cherokee models to insure, while the LE 2WD and Hybrid LE 2WD trims are the cheapest Toyota Highlander models to insure.

Is Jeep Grand Cherokee or Toyota Highlander insurance cheaper?

Car insurance for a 2024 Jeep Grand Cherokee averages $2,342 per year, while insurance for a 2024 Toyota Highlander costs an average of $2,132 per year, making the Toyota Highlander the model with better average insurance cost.

For the 19 trims available for the 2024 Jeep Grand Cherokee, the cheapest trim to insure is the Laredo A trim at an average cost of $2,048 per year, or $171 per month. The 2024 Toyota Highlander has 20 trim levels available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,958 per year.

When rates are compared for the 39 trim levels of both 2024 models, the lowest-cost model and trim level is the Toyota Highlander LE 2WD at an average cost of $1,958 per year, and the most expensive trim is the Jeep Grand Cherokee Summit Reserve 4xe costing $2,586 per year.

The table shown below ranks the 12-month and monthly car insurance cost for 2024 Jeep Grand Cherokee and Toyota Highlander models, with average cost for each trim level.

2024 Model Year Jeep Grand Cherokee vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,958$163
$2,000$167
$2,000$167
$2,036$170
$2,048$171
$2,068$172
$2,068$172
$2,068$172
$2,112$176
$2,126$177
$2,126$177
$2,138$178
$2,152$179
$2,158$180
$2,160$180
$2,160$180
$2,180$182
$2,184$182
$2,186$182
$2,200$183
$2,210$184
$2,210$184
$2,220$185
$2,236$186
$2,242$187
$2,248$187
$2,262$189
$2,274$190
$2,310$193
$2,316$193
$2,338$195
$2,440$203
$2,468$206
$2,500$208
$2,500$208
$2,530$211
$2,536$211
$2,562$214
$2,586$216

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Jeep Grand Cherokee and a 2024 Toyota Highlander
Annual and monthly insurance cost by trim level for a 2024 Jeep Grand Cherokee and a 2024 Toyota Highlander

The next chart shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. Average insurance cost ranges from $2,060 to $4,712 per year for a 2024 Jeep Grand Cherokee, and $1,880 to $4,268 for a 2024 Toyota Highlander for the included age groups.

Average car insurance premiums for 2024 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$7,272$6,566
20-Year-Old$4,712$4,268
25-Year-Old$2,724$2,474
30-Year-Old$2,510$2,280
40-Year-Old$2,342$2,132
50-Year-Old$2,060$1,880
60-Year-Old$1,932$1,762

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

The next tables illustrate the average cost to insure all 2024 trim levels, along with the average rate for each model. The 2024 Toyota Highlander reigns victorious over the 2024 Jeep Grand Cherokee for the cheapest overall car insurance rates.

2024 Jeep Grand Cherokee

$2,342

Insurance Rates by Trim Level for a 2024 Jeep Grand Cherokee
2024 Jeep Grand Cherokee TrimsRate
Laredo A$2,048
Laredo2,138
Laredo X2,158
Laredo 4X42,186
Laredo X 4X42,200
Altitude2,220
Altitude X2,242
Altitude 4X42,262
Altitude X 4X42,274
Limited2,310
Limited 4X42,338
4xe2,440
Overland2,468
Summit2,500
Trailhawk 4xe2,500
Summit Reserve2,530
Overland 4xe2,536
Summit 4xe2,562
Summit Reserve 4xe2,586
2024 Jeep Grand Cherokee Average Rate$2,342

2024 Toyota Highlander

$2,132

Insurance Rates by Trim Level for 2024 Jeep Grand Cherokee
2024 Toyota Highlander TrimsRate
LE 2WD$1,958
Hybrid LE 2WD2,000
LE AWD2,000
XLE 2WD2,036
Hybrid XLE 2WD2,068
XLE AWD2,068
XSE 2WD2,068
XSE AWD2,112
Limited 2WD2,126
Bronze Edition 2WD2,126
Bronze Edition AWD2,152
Hybrid Limited 2WD2,160
Limited AWD2,160
Platinum 2WD2,180
Hybrid Limited AWD2,184
Hybrid Platinum 2WD2,210
Platinum AWD2,210
Hybrid Platinum AWD2,236
Hybrid LE AWD2,248
Hybrid XLE AWD2,316
2024 Toyota Highlander Average Rate$2,132

2023 Jeep Grand Cherokee vs. Toyota Highlander

Insurance cost for a 2023 Jeep Grand Cherokee averages $2,420 per year, and insurance for a Toyota Highlander costs an average of $2,284 per year, making the Toyota Highlander the model with lower average insurance cost.

Out of 16 trim levels for the 2023 Jeep Grand Cherokee, the cheapest auto insurance rates are on the Laredo 2WD trim at a cost of $2,174 per year. The 2023 Toyota Highlander has 22 trim levels available, with the cheapest model to insure being the L 2WD trim at an average cost of $2,002 per year.

When trim-level rates for both models are compared, the cheapest trim to insure is the Toyota Highlander L 2WD at an average of $2,002 per year. The most expensive vehicle to insure is the Jeep Grand Cherokee Summit Reserve 4xe at a cost of $2,614 per year.

The table below compares the 12-month and monthly car insurance cost for 2023 Jeep Grand Cherokee and Toyota Highlander models, showing average cost for each trim level.

2023 Model Year Jeep Grand Cherokee vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,002$167
$2,054$171
$2,074$173
$2,120$177
$2,152$179
$2,174$181
$2,190$183
$2,190$183
$2,214$185
$2,230$186
$2,238$187
$2,244$187
$2,268$189
$2,270$189
$2,282$190
$2,300$192
$2,302$192
$2,308$192
$2,324$194
$2,336$195
$2,342$195
$2,362$197
$2,396$200
$2,428$202
$2,438$203
$2,464$205
$2,472$206
$2,490$208
$2,492$208
$2,504$209
$2,518$210
$2,518$210
$2,524$210
$2,544$212
$2,546$212
$2,546$212
$2,566$214
$2,614$218

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Jeep Grand Cherokee and a 2023 Toyota Highlander
Annual and monthly insurance cost by trim level for a 2023 Jeep Grand Cherokee and a 2023 Toyota Highlander

The next chart shows the average cost to insure the two models for a range of driver ages. Insurance cost ranges from $2,142 to $4,874 per year for a 2023 Jeep Grand Cherokee, and $2,018 to $4,632 for a 2023 Toyota Highlander for the illustrated age groups.

Average car insurance premiums for 2023 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$7,496$7,156
20-Year-Old$4,874$4,632
25-Year-Old$2,812$2,658
30-Year-Old$2,580$2,446
40-Year-Old$2,420$2,284
50-Year-Old$2,142$2,018
60-Year-Old$2,006$1,892

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

The tables below display average car insurance rates for every trim level for both 2023 models, as well as an average rate for each model. The cheapest to insure for the 2023 model year is the Toyota Highlander.

2023 Jeep Grand Cherokee

$2,420

Insurance Rates by Trim Level for a 2023 Jeep Grand Cherokee
2023 Jeep Grand Cherokee TrimsRate
Laredo 2WD$2,174
Laredo 4x42,214
Altitude 2WD2,268
Altitude 4x42,302
Limited 2WD2,308
Limited 4x42,342
Overland 2WD2,438
Overland 4x42,464
4xe2,472
Summit 2WD2,492
Summit 4x42,504
30th Anniversary 4xe2,518
Trailhawk 4xe2,524
Summit Reserve 4x42,546
Overland 4xe2,546
Summit Reserve 4xe2,614
2023 Jeep Grand Cherokee Average Rate$2,420

2023 Toyota Highlander

$2,284

Insurance Rates by Trim Level for 2023 Jeep Grand Cherokee
2023 Toyota Highlander TrimsRate
L 2WD$2,002
L AWD2,054
LE 2WD2,074
LE AWD2,120
XLE 2WD2,152
XLE AWD2,190
XSE 2WD2,190
XSE AWD2,230
Bronze Edition 2WD2,238
Limited 2WD2,244
Bronze Edition AWD2,270
Limited AWD2,282
Platinum 2WD2,300
Hybrid LE 2WD2,324
Platinum AWD2,336
Hybrid LE AWD2,362
Hybrid XLE 2WD2,396
Hybrid XLE AWD2,428
Hybrid Limited 2WD2,490
Hybrid Limited AWD2,518
Hybrid Platinum 2WD2,544
Hybrid Platinum AWD2,566
2023 Toyota Highlander Average Rate$2,284

2022 Jeep Grand Cherokee vs. Toyota Highlander

For the 2022 model year, the cheaper model to insure on average is the Toyota Highlander. Average car insurance rates for the Jeep Grand Cherokee are $2,356 per year, and insurance for the Toyota Highlander averages $2,150 per year.

Insurance cost varies noticeably for different trim levels, however.

For a 2022 Jeep Grand Cherokee, rates range from the lowest rate of $2,124 per year for the Laredo model up to the most expensive rate of $2,550 for the Summit Reserve 4xe model. For a 2022 Toyota Highlander, rates range from $1,886 per year for the L 2WD model up to $2,424 for the most expensive Hybrid Platinum AWD model.

When trim-level rates for both models are compared, the cheapest trim is the Toyota Highlander L 2WD at an average of $1,886 per year, and the most expensive model and trim level is the Jeep Grand Cherokee Summit Reserve 4xe costing an average of $2,550 per year.

For a 2022 Jeep Grand Cherokee, the cheapest models are the Laredo, L Laredo, and Altitude. The cheapest Toyota Highlander models include the L 2WD, L AWD, and LE 2WD.

From a cost-per-month standpoint, average insurance rates for all 2022 Jeep Grand Cherokee and Toyota Highlander trim levels range from $157 to $213 per month.

The table below ranks the yearly and monthly cost of car insurance for 2022 Jeep Grand Cherokee and Toyota Highlander models, showing cost for each trim level of both models.

2022 Model Year Jeep Grand Cherokee vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,886$157
$1,936$161
$1,950$163
$1,990$166
$2,024$169
$2,058$172
$2,058$172
$2,096$175
$2,100$175
$2,106$176
$2,124$177
$2,126$177
$2,144$179
$2,156$180
$2,160$180
$2,190$183
$2,196$183
$2,210$184
$2,232$186
$2,236$186
$2,248$187
$2,266$189
$2,276$190
$2,296$191
$2,334$195
$2,342$195
$2,374$198
$2,388$199
$2,398$200
$2,408$201
$2,414$201
$2,424$202
$2,434$203
$2,460$205
$2,474$206
$2,492$208
$2,524$210
$2,550$213

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Jeep Grand Cherokee and a 2022 Toyota Highlander
Annual and monthly insurance cost by trim level for a 2022 Jeep Grand Cherokee and a 2022 Toyota Highlander

The bar chart below compares Jeep Grand Cherokee insurance to Toyota Highlander insurance average rates for the 2022 model year and for different driver ages.

Average car insurance premiums for 2022 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2022 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$7,319$6,752
20-Year-Old$4,756$4,366
25-Year-Old$2,738$2,502
30-Year-Old$2,512$2,300
40-Year-Old$2,356$2,150
50-Year-Old$2,086$1,902
60-Year-Old$1,954$1,782

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 26, 2025

The tables below detail insurance rates for all trim levels of 2022 Grand Cherokee and Highlander models. The 2022 Jeep Grand Cherokee has an average insurance cost of $2,356 and the 2022 Toyota Highlander is $2,150, making the Toyota Highlander cheaper by $206 per year.

2022 Jeep Grand Cherokee

$2,356

Insurance Rates by Trim Level for a 2022 Jeep Grand Cherokee
2022 Jeep Grand Cherokee TrimsRate
Laredo$2,124
L Laredo2,156
Altitude2,210
L Altitude2,236
Limited2,248
L Limited2,276
Trailhawk2,334
Overland2,388
L Overland2,408
4xe2,414
Summit2,434
Trailhawk 4xe2,460
Summit Reserve2,474
Overland 4xe2,492
Summit 4xe2,524
Summit Reserve 4xe2,550
2022 Jeep Grand Cherokee Average Rate$2,356

2022 Toyota Highlander

$2,150

Insurance Rates by Trim Level for 2022 Jeep Grand Cherokee
2022 Toyota Highlander TrimsRate
L 2WD$1,886
L AWD1,936
LE 2WD1,950
LE AWD1,990
XLE 2WD2,024
XLE AWD2,058
XSE 2WD2,058
Bronze Edition 2WD2,096
XSE AWD2,100
Limited 2WD2,106
Bronze Edition AWD2,126
Limited AWD2,144
Platinum 2WD2,160
Platinum AWD2,190
Hybrid LE 2WD2,196
Hybrid LE AWD2,232
Hybrid XLE 2WD2,266
Hybrid XLE AWD2,296
Hybrid Limited 2WD2,342
Hybrid Limited AWD2,374
Hybrid Platinum 2WD2,398
Hybrid Platinum AWD2,424
2022 Toyota Highlander Average Rate$2,150

2021 Jeep Grand Cherokee vs Toyota Highlander

When comparing insurance rates for the 2021 Jeep Grand Cherokee and Toyota Highlander models, the Toyota Highlander has cheaper rates by an average of $148 per year for this model year.

The chart below demonstrates the average cost to insure both 2021 models rated for drivers aged 20 to 50. For a 2021 Jeep Grand Cherokee, average car insurance cost ranges from $2,080 to $4,756 per year for these driver ages. A 2021 Toyota Highlander costs from $1,952 to $4,488 to insure per year.

Average car insurance premiums for 2021 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$7,327$6,933
20-Year-Old$4,756$4,488
25-Year-Old$2,734$2,562
30-Year-Old$2,504$2,348
40-Year-Old$2,350$2,202
50-Year-Old$2,080$1,952
60-Year-Old$1,948$1,830

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

The 2021 Jeep Grand Cherokee has 26 trim levels available, with the cheapest trim level to insure being the Laredo 2WD model at an average cost of $1,938 per year.

The 2021 Toyota Highlander has 17 trims available, with the cheapest trim level to insure being the L 2WD trim at an average cost of $1,936 per year, or about $161 per month.

When average insurance prices for all 43 trim levels for both 2021 models are compared, the lowest-cost model and trim level to insure is the Toyota Highlander L 2WD at an average of $1,936 per year. The most expensive trim is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at a cost of $2,774 per year.

The tables below show the expected annual car insurance cost by trim level for both 2021 models, along with an average cost for each model. The 2021 Toyota Highlander has cheaper average car insurance rates than the 2021 Jeep Grand Cherokee.

2021 Jeep Grand Cherokee

$2,350

Insurance Rates by Trim Level for a 2021 Jeep Grand Cherokee
2021 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,938
Laredo 4WD2,020
Limited 2WD2,086
Limited Luxury Group II 2WD2,150
Trailhawk 4WD2,150
Limited 4WD2,182
Limited Luxury Group II 4WD2,182
Limited Off-Road Adventure 4WD2,182
Overland 2WD2,214
Overland 4WD2,214
Trailhawk Luxury Group 4WD2,214
Summit 2WD2,278
Summit Black Roof 2WD2,278
Summit 4WD2,310
Summit Signature Leather 2WD2,344
Summit Black Roof 4WD2,366
Summit Signature Leather 4WD2,366
SRT 4WD2,452
SRT Dual Pane Sunroof 4WD2,518
SRT High Performance Audio 4WD2,518
SRT Signature Leather 4WD2,518
Trackhawk 4WD2,712
Trackhawk Black Roof 4WD2,712
Trackhawk Dual Pane Sunroof 4WD2,712
Trackhawk High Performance Audio 4WD2,712
Trackhawk Signature Leather 4WD2,774
2021 Jeep Grand Cherokee Average Rate$2,350

2021 Toyota Highlander

$2,202

Insurance Rates by Trim Level for 2021 Jeep Grand Cherokee
2021 Toyota Highlander TrimsRate
L 2WD$1,936
L 4WD1,998
LE 2WD1,998
LE 4WD1,998
XLE 2WD1,998
Limited 2WD2,064
XLE 4WD2,064
Limited 4WD2,128
Platinum 2WD2,128
Platinum 4WD2,128
Hybrid LE 2WD2,320
Hybrid LE 4WD2,320
Hybrid XLE 4WD2,382
Hybrid Limited 2WD2,494
Hybrid Limited 4WD2,494
Hybrid Platinum 2WD2,494
Hybrid Platinum 4WD2,536
2021 Toyota Highlander Average Rate$2,202

2020 Jeep Grand Cherokee vs Toyota Highlander

For 2020 Jeep Grand Cherokee and Toyota Highlander models, the Toyota Highlander has lower-cost car insurance by an average of $122 per year.

The next chart shows the average cost to insure the two models for different driver ages. Average insurance cost ranges from $2,002 to $4,574 per year for a 2020 Jeep Grand Cherokee, and $1,900 to $4,366 for a 2020 Toyota Highlander for the driver ages used.

Average car insurance premiums for 2020 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2020 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$7,042$6,739
20-Year-Old$4,574$4,366
25-Year-Old$2,630$2,490
30-Year-Old$2,410$2,282
40-Year-Old$2,262$2,140
50-Year-Old$2,002$1,900
60-Year-Old$1,876$1,780

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 26, 2025

Out of 26 trims for the 2020 Jeep Grand Cherokee, the cheapest auto insurance rates are on the Laredo 2WD trim at a cost of $1,866 per year. Out of the 17 trim levels available for the Toyota Highlander, the cheapest 2020 trim to insure is the L 2WD trim at a cost of $1,880.

When all 43 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Jeep Grand Cherokee Laredo 2WD at an average rate of $1,866 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at an average of $2,670 per year.

The tables below show both 2020 models and all trim levels available for each one, as well as the overall average rate for each model. The cheapest to insure for the 2020 model year is the Toyota Highlander.

2020 Jeep Grand Cherokee

$2,262

Insurance Rates by Trim Level for a 2020 Jeep Grand Cherokee
2020 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,866
Laredo 4WD1,944
Limited 2WD2,006
Limited Luxury Group II 2WD2,070
Trailhawk 4WD2,070
Limited 4WD2,098
Limited Luxury Group II 4WD2,098
Limited Off-Road Adventure 4WD2,098
Overland 2WD2,130
Overland 4WD2,130
Trailhawk Luxury Group 4WD2,130
Summit 2WD2,192
Summit Black Roof 2WD2,192
Summit 4WD2,224
Summit Signature Leather 2WD2,254
Summit Black Roof 4WD2,276
Summit Signature Leather 4WD2,276
SRT 4WD2,360
SRT Dual Pane Sunroof 4WD2,422
SRT High Performance Audio 4WD2,422
SRT Signature Leather 4WD2,422
Trackhawk 4WD2,608
Trackhawk Black Roof 4WD2,608
Trackhawk Dual Pane Sunroof 4WD2,608
Trackhawk High Performance Audio 4WD2,608
Trackhawk Signature Leather 4WD2,670
2020 Jeep Grand Cherokee Average Rate$2,262

2020 Toyota Highlander

$2,140

Insurance Rates by Trim Level for 2020 Jeep Grand Cherokee
2020 Toyota Highlander TrimsRate
L 2WD$1,880
L 4WD1,944
LE 2WD1,944
LE 4WD1,944
XLE 2WD1,944
Limited 2WD2,006
XLE 4WD2,006
Limited 4WD2,066
Platinum 2WD2,066
Platinum 4WD2,066
Hybrid LE 2WD2,256
Hybrid LE 4WD2,256
Hybrid XLE 4WD2,318
Hybrid Limited 2WD2,424
Hybrid Limited 4WD2,424
Hybrid Platinum 2WD2,424
Hybrid Platinum 4WD2,464
2020 Toyota Highlander Average Rate$2,140

2019 Jeep Grand Cherokee vs Toyota Highlander

When comparing car insurance rates for 2019 models, a Jeep Grand Cherokee costs an average of $2,076 per year to insure and a Toyota Highlander costs $2,012, making the Toyota Highlander cheaper to insure by $64 per year for 2019.

The next chart visualizes the average cost to insure both 2019 models for four different driver age groups. For a 2019 Jeep Grand Cherokee, average car insurance cost ranges from $1,844 to $4,222 per year for the age groups used in the chart. A 2019 Toyota Highlander costs from $1,784 to $4,108 to insure per year.

Average car insurance premiums for 2019 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2019 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$6,509$6,352
20-Year-Old$4,222$4,108
25-Year-Old$2,414$2,340
30-Year-Old$2,208$2,148
40-Year-Old$2,076$2,012
50-Year-Old$1,844$1,784
60-Year-Old$1,726$1,674

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 26, 2025

For the 11 trim levels available for the 2019 Jeep Grand Cherokee, the cheapest trim to insure is the Laredo 2WD trim at an average cost of $1,812 per year, or $151 per month.

For the 17 trim levels available for the Toyota Highlander, the cheapest 2019 model to insure is the LE 2WD trim at a cost of $1,810.

When average car insurance prices for all 28 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Toyota Highlander LE 2WD at an average rate of $1,810 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk 4WD at an average cost of $2,522 per year.

The two tables below display average car insurance rates for each trim level, including an overall average rate. The model with the cheapest auto insurance rates for 2019 is the Toyota Highlander.

2019 Jeep Grand Cherokee

$2,076

Insurance Rates by Trim Level for a 2019 Jeep Grand Cherokee
2019 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,812
Laredo 4WD1,888
Limited 2WD1,948
Limited 4WD2,006
Trailhawk 4WD2,006
Overland 2WD2,064
Overland 4WD2,064
Summit 2WD2,124
Summit 4WD2,124
SRT 4WD2,286
Trackhawk 4WD2,522
2019 Jeep Grand Cherokee Average Rate$2,076

2019 Toyota Highlander

$2,012

Insurance Rates by Trim Level for 2019 Jeep Grand Cherokee
2019 Toyota Highlander TrimsRate
LE 2WD$1,810
LE 4WD1,868
LE Plus 2WD1,928
LE Plus 4WD1,928
XLE 2WD1,928
Limited 2WD1,988
Limited 4WD1,988
SE 2WD1,988
SE 4WD1,988
XLE 4WD1,988
Limited Platinum 2WD2,046
Limited Platinum 4WD2,046
Hybrid 4WD2,090
Hybrid LE 4WD2,090
Hybrid XLE 4WD2,148
Hybrid Limited 4WD2,208
Hybrid Limited Platinum 4WD2,208
2019 Toyota Highlander Average Rate$2,012

2018 Jeep Grand Cherokee vs Toyota Highlander

When comparing average insurance cost for 2018 models, the Jeep Grand Cherokee costs an average of $1,950 per year to insure and the Toyota Highlander costs $1,924, making the Toyota Highlander the winner by $26.

The chart below demonstrates the average cost to insure both models for a range of driver ages. Average car insurance cost ranges from $1,734 to $3,960 per year for a 2018 Jeep Grand Cherokee, and $1,708 to $3,916 for a 2018 Toyota Highlander for these driver ages.

Average car insurance premiums for 2018 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$6,094$6,046
20-Year-Old$3,960$3,916
25-Year-Old$2,266$2,236
30-Year-Old$2,074$2,052
40-Year-Old$1,950$1,924
50-Year-Old$1,734$1,708
60-Year-Old$1,624$1,604

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

The 2018 Jeep Grand Cherokee has 11 trims available, with the cheapest trim level to insure being the Laredo 2WD model at an average cost of $1,738 per year, or $145 per month.

Out of the 16 trim levels available for the Toyota Highlander, the cheapest 2018 trim to insure is the LE 2WD trim at a cost of $1,730 per year, or about $144 per month.

When looking at the aggregated rates by trim for both models, the cheapest vehicle to insure is the Toyota Highlander LE 2WD at an average cost of $1,730 per year. The overall most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk 4WD at an average cost of $2,404 per year.

The tables shown below show average car insurance cost by trim level for a 2018 Jeep Grand Cherokee and Toyota Highlander, along with the average rate for each model. The model with the cheapest overall car insurance cost for 2018 is the Toyota Highlander.

2018 Jeep Grand Cherokee

$1,950

Insurance Rates by Trim Level for a 2018 Jeep Grand Cherokee
2018 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,738
Laredo 4WD1,738
Limited 2WD1,866
Limited 4WD1,920
Overland 2WD1,920
SRT 4WD1,920
Trailhawk 4WD1,920
Overland 4WD1,978
Summit 2WD2,032
Summit 4WD2,032
Trackhawk 4WD2,404
2018 Jeep Grand Cherokee Average Rate$1,950

2018 Toyota Highlander

$1,924

Insurance Rates by Trim Level for 2018 Jeep Grand Cherokee
2018 Toyota Highlander TrimsRate
LE 2WD$1,730
LE 4WD1,784
Plus 2WD1,784
Plus 4WD1,842
XLE 2WD1,842
Limited 4WD1,896
SE 4WD1,896
XLE 4WD1,896
SE 2WD1,924
Limited Platinum 4WD1,952
Limited 2WD1,980
Limited Platinum 2WD1,980
Hybrid LE 4WD1,998
Hybrid XLE 4WD2,054
Hybrid 4WD2,116
Hybrid Limited 4WD2,132
2018 Toyota Highlander Average Rate$1,924

2017 Jeep Grand Cherokee vs Toyota Highlander

When comparing insurance rates for 2017 models, a Jeep Grand Cherokee costs an average of $1,868 per year to insure and a Toyota Highlander costs $1,834, making the Toyota Highlander cheaper to insure by $34 per year for this comparison year.

The chart below demonstrates the average cost to insure the two models for drivers from age 20 to 50. For a 2017 Jeep Grand Cherokee, the average car insurance cost ranges from $1,662 to $3,786 per year for the included driver ages. A 2017 Toyota Highlander costs from $1,628 to $3,726 to insure per year.

Average car insurance premiums for 2017 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$5,820$5,750
20-Year-Old$3,786$3,726
25-Year-Old$2,168$2,126
30-Year-Old$1,982$1,948
40-Year-Old$1,868$1,834
50-Year-Old$1,662$1,628
60-Year-Old$1,558$1,528

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

Out of 16 trims for the 2017 Jeep Grand Cherokee, the cheapest rates are on the Laredo 2WD model at a cost of $1,678 per year, or around $140 per month. For the 14 trims available for the Toyota Highlander, the cheapest 2017 model to insure is the LE 2WD model at a cost of $1,666 per year, or $139 per month.

When all 30 trims of both models are combined and compared, the cheapest model and trim level to insure is the Toyota Highlander LE 2WD at a cost of $1,666 per year, and the most expensive trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,030 per year.

The tables shown below display the expected annual car insurance cost by trim level for both 2017 models, including an overall average rate. The cheapest model to insure for the 2017 model year is the Toyota Highlander.

2017 Jeep Grand Cherokee

$1,868

Insurance Rates by Trim Level for a 2017 Jeep Grand Cherokee
2017 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,678
Laredo 4WD1,678
Limited 2WD1,798
Limited 4WD1,798
Limited 2WD Diesel1,852
Limited 4WD Diesel1,852
Overland 2WD1,852
Trailhawk 4WD1,852
Overland 2WD Diesel1,904
Overland 4WD1,904
Trailhawk 4WD Diesel1,904
Overland 4WD Diesel1,956
Summit 2WD1,956
Summit 2WD Diesel1,956
Summit 4WD1,956
Summit 4WD Diesel2,008
2017 Jeep Grand Cherokee Average Rate$1,868

2017 Toyota Highlander

$1,834

Insurance Rates by Trim Level for 2017 Jeep Grand Cherokee
2017 Toyota Highlander TrimsRate
LE 2WD$1,666
LE 4WD1,720
Plus 2WD1,720
Plus 4WD1,772
XLE 2WD1,772
XLE 4WD1,772
Limited 2WD1,824
Limited 4WD1,824
Platinum 2WD1,824
Platinum 4WD1,876
Hybrid LE 4WD1,924
Hybrid Limited 4WD1,976
Hybrid XLE 4WD1,976
Hybrid Platinum 4WD2,030
2017 Toyota Highlander Average Rate$1,834

2016 Jeep Grand Cherokee vs Toyota Highlander

For 2016 Jeep Grand Cherokee and Toyota Highlander models, the Jeep Grand Cherokee has lower-cost car insurance by an average of $126 per year.

The chart shown below displays the average cost to insure the two models for drivers aged 20 to 50. Insurance cost ranges from $1,498 to $3,382 per year for a 2016 Jeep Grand Cherokee, and $1,612 to $3,658 for a 2016 Toyota Highlander for the example age groups.

Average car insurance premiums for 2016 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$5,188$5,624
20-Year-Old$3,382$3,658
25-Year-Old$1,948$2,094
30-Year-Old$1,786$1,918
40-Year-Old$1,680$1,806
50-Year-Old$1,498$1,612
60-Year-Old$1,400$1,508

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

For the 15 trims available for the 2016 Jeep Grand Cherokee, the cheapest model to insure is the Laredo 2WD trim at an average cost of $1,448 per year.

For the 12 trim levels available for the Toyota Highlander, the cheapest 2016 trim to insure is the LE 2WD model at a cost of $1,636 per year, or $136 per month.

When rates for all 27 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Jeep Grand Cherokee Laredo 2WD at an average rate of $1,448 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,028 per year.

The tables shown below display the cost to insure the available trim levels for both 2016 models, plus the average rate for each model. The cheapest of the two models to insure for the 2016 model year is the Jeep Grand Cherokee.

2016 Jeep Grand Cherokee

$1,680

Insurance Rates by Trim Level for a 2016 Jeep Grand Cherokee
2016 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,448
Laredo 4WD1,494
Limited 2WD1,606
Limited 4WD1,606
Limited 2WD Diesel1,656
Limited 4WD Diesel1,656
Overland 2WD1,656
Overland 2WD Diesel1,704
Overland 4WD1,704
Summit 2WD1,704
Overland 4WD Diesel1,754
Summit 4WD1,754
Summit 2WD Diesel1,762
Summit 4WD Diesel1,810
SRT8 4WD1,896
2016 Jeep Grand Cherokee Average Rate$1,680

2016 Toyota Highlander

$1,806

Insurance Rates by Trim Level for 2016 Jeep Grand Cherokee
2016 Toyota Highlander TrimsRate
LE 2WD$1,636
LE 4WD1,686
Plus 2WD1,734
Plus 4WD1,734
XLE 2WD1,782
XLE 4WD1,782
Limited 2WD1,830
Limited 4WD1,830
Platinum 2WD1,830
Platinum 4WD1,830
Hybrid Limited 4WD1,980
Hybrid Platinum 4WD2,028
2016 Toyota Highlander Average Rate$1,806

2015 Jeep Grand Cherokee vs Toyota Highlander

For 2015 Jeep Grand Cherokee and Toyota Highlander models, the Toyota Highlander has lower-cost car insurance by an average of $82 per year.

The rate chart below displays the average cost to insure both 2015 models with different drivers at the wheel. For a 2015 Jeep Grand Cherokee, average car insurance cost ranges from $1,520 to $3,434 per year for the illustrated age groups. A 2015 Toyota Highlander costs from $1,446 to $3,274 to insure per year.

Average car insurance premiums for 2015 Jeep Grand Cherokee and Toyota Highlander models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Jeep Grand Cherokee and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2015 model year Jeep Grand Cherokee and Toyota Highlander. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Jeep Grand Cherokee vs. Toyota Highlander Insurance Cost
Driver Age Jeep Grand Cherokee Toyota Highlander
18-Year-Old$5,267$5,036
20-Year-Old$3,434$3,274
25-Year-Old$1,972$1,880
30-Year-Old$1,802$1,722
40-Year-Old$1,702$1,620
50-Year-Old$1,520$1,446
60-Year-Old$1,424$1,354

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 26, 2025

The 2015 Jeep Grand Cherokee has nine trims available, with the cheapest trim to insure being the Laredo 2WD trim at an average cost of $1,530 per year.

For the 12 trim levels available for the Toyota Highlander, the cheapest 2015 model to insure is the LE 2WD trim at a cost of $1,460.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Toyota Highlander LE 2WD at an average of $1,460 per year. The highest-cost model and trim level is the Jeep Grand Cherokee SRT8 4WD at an average of $1,886 per year.

The next two tables display the average cost to insure all 2015 trim levels, including the average rate for each model.

2015 Jeep Grand Cherokee

$1,702

Insurance Rates by Trim Level for a 2015 Jeep Grand Cherokee
2015 Jeep Grand Cherokee TrimsRate
Laredo 2WD$1,530
Laredo 4WD1,574
Limited 2WD1,664
Limited 4WD1,664
Overland 2WD1,708
Overland 4WD1,752
Summit 2WD1,752
Summit 4WD1,796
SRT8 4WD1,886
2015 Jeep Grand Cherokee Average Rate$1,702

2015 Toyota Highlander

$1,620

Insurance Rates by Trim Level for 2015 Jeep Grand Cherokee
2015 Toyota Highlander TrimsRate
LE 2WD$1,460
LE 4WD1,504
Plus 2WD1,504
Plus 4WD1,550
Limited 2WD1,594
XLE 2WD1,594
XLE 4WD1,594
Limited 4WD1,638
Platinum 2WD1,638
Platinum 4WD1,638
Hybrid Limited 4WD1,872
Hybrid Platinum 4WD1,872
2015 Toyota Highlander Average Rate$1,620

Additional Jeep Grand Cherokee and Toyota Highlander Resources