Finding cheaper insurance for a Jeep Grand Cherokee in California is pretty easy for most people, but it hinges on an enormous amount of rating factors such as whether you own a home, your credit score, and any driving offenses on your record. Drivers pay on average $1,367 each year for Grand Cherokee insurance, but that figure is an estimation based upon a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 30-year-old male, maybe you are married instead of single, or maybe you just want different deductibles. Even a minor difference in the criteria used to calculate rates can result in a big discrepancy in rates.
Having different needs demonstrates why the best way to find the most affordable coverage for your Jeep is to compare as many rates as possible.
The specific trim level tends to have a direct impact on price, so the price you will be charged to insure a Grand Cherokee Laredo 2WD model will be $124 cheaper than the price to insure the more well-appointed Grand Cherokee SRT-8 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Grand Cherokee Laredo 4WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Grand Cherokee Limited 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Grand Cherokee Limited 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Grand Cherokee SRT-8 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can affect insurance rates considerably.
Deciphering which company offers the best auto insurance rates for a Jeep Grand Cherokee involves a tad more effort than just getting one or two price quotes. Each auto insurer has a proprietary method to establish rates, so we’ll go over the most budget-friendly auto insurance companies in San Diego.
Find Cheaper Car Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the best car insurance rates in San Diego at around $1,143 per year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the lowest-priced San Diego, CA auto insurance companies.
In the rate table above, if you are a policyholder with CSAA and switched to USAA, you might achieve yearly savings of roughly $79. California drivers with Century National may save as much as $83 a year, and Nationwide insureds might lower prices by $107 a year.
To discover how much you can save, click here or visit several of the following companies.
Be aware that those rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific location for a Jeep Grand Cherokee. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
Difference between full coverage and liability only rates
Paying less for auto insurance is probably important to most drivers, and one easy way to lower the cost of insurance for a Jeep Grand Cherokee is to buy only liability coverage. The information below illustrates the comparison of insurance prices when comparing full coverage to liability only. The premiums assume no claims or violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,458 per year more than carrying just liability coverage. Lot’s of drivers question when is it safe to stop buying full coverage. There is no written rule that is best for determining when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $8,000 after you pay the deductible. If premiums are more than $800 annually to have full coverage, then you might consider buying liability only.
Responsible drivers pay cheaper San Diego auto insurance rates
In a perfect world, the best way to maintain cheap auto insurance rates in California for a Grand Cherokee is to be a safe driver and avoid traffic citations and accidents. The diagram below shows how violations and at-fault accidents can impact auto insurance rates for different insured age categories. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,793. Get one speeding ticket and the average cost swells to $2,092, an increase of $299 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance for a Jeep Grand Cherokee jumps again to an average of $2,931. That’s an increase of $1,138, or $95 per month, just for not driving safely!
Discounts on San Diego insurance
Insurance companies that offer quotes for a Jeep Grand Cherokee may also offer special discounts that could potentially reduce rates by 25% or more if you meet the requirements. A list of companies and their offered discounts can be read below.
- Progressive has savings for multi-policy, homeowner, multi-vehicle, good student, and continuous coverage.
- AAA discounts include good student, good driver, AAA membership discount, multi-policy, anti-theft, and education and occupation.
- Farmers Insurance offers discounts including bundle discounts, distant student, early shopping, electronic funds transfer, alternative fuel, youthful driver, and good student.
- GEICO may offer discounts for good student, membership and employees, anti-theft, seat belt use, federal employee, anti-lock brakes, and multi-vehicle.
- Esurance policyholders can earn discounts including multi-car, Pac-12 alumni, online shopper, online quote, and paid-in-full.
- SAFECO may include discounts for drive less, homeowner, multi-car, accident prevention training, and teen safety rewards.
- State Farm may have discounts that include accident-free, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, and safe vehicle.
The diagram below shows the comparison of auto insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, safe-driver, homeowner, vehicle safety, marriage, and defensive driving course discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a Jeep Grand Cherokee is 28% or $655.