Finding cheaper insurance for a Jeep Grand Cherokee is dependent upon many rating factors such as the safety rating of your vehicle, your residence address, and your choice of physical damage deductibles. Drivers in California pay approximately $1,694 per year to insure their Grand Cherokee, but that figure is an estimation based on a 40-year-old single female driver with full coverage and $100 deductibles.
But there is a good chance that you are not 40 and maybe not even a female, possibly married instead of single, or maybe you prefer higher deductibles. This demonstrates why the only real way to find cheap car insurance rates for your Jeep is to do the rate comparisons yourself.
Compare Jeep Grand Cherokee Insurance Rates
Your Jeep’s trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Grand Cherokee Laredo 2WD will be $184 less than the cost to insure the more well-appointed Grand Cherokee SRT-8 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Grand Cherokee Laredo 4WD | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Grand Cherokee Limited 2WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Grand Cherokee Limited 4WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Grand Cherokee SRT-8 4WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in Sacramento location which can increase or decrease auto insurance rates noticeably.
Which auto insurance company is best in Sacramento?
Ending up with a high-quality company can be a challenge considering how many different companies sell coverage in California. The ranking information below may help you pick which car insurance providers to look at when buying insurance for a Jeep Grand Cherokee. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in California will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Sacramento insurance rates
Auto insurance companies that provide coverage for a Jeep Grand Cherokee may also give you policy discounts that may potentially lower prices by as much as 35% if you meet eligibility requirements. A few of the larger companies and a partial list of their discounts are detailed below.
- GEICO offers discounts for emergency military deployment, five-year accident-free, federal employee, military active duty, defensive driver, multi-vehicle, and seat belt use.
- SAFECO may offer discounts for multi-car, teen safety rewards, teen safe driver, anti-lock brakes, drive less, homeowner, and safe driver.
- State Farm may include discounts for Drive Safe & Save, passive restraint, multiple autos, Steer Clear safe driver discount, good driver, student away at school, and anti-theft.
- MetLife offers premium reductions for claim-free, multi-policy, good driver, defensive driver, and good student.
- 21st Century may have discounts that include early bird, air bags, theft prevention, good student, student driver, and teen driver.
- Progressive offers discounts including continuous coverage, online quote discount, good student, multi-policy, and homeowner.
The chart below shows the comparison of insurance rates with and without discounts applied to the rates. The premiums assume a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, passive restraint, vehicle safety, multiple vehicle, marriage, and anti-theft discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Jeep Grand Cherokee is 28% or $614.
Full coverage rates compared to liability only
Reducing premiums for auto insurance is probably important to most people, and one common way to find cheap insurance for a Jeep Grand Cherokee is to not buy full coverage. The illustration below visualizes the comparison of premium costs with and without physical damage coverage. The premium estimates are based on no violations or accidents, $500 deductibles, marital status is single, and no policy discounts are applied.
As an average for all age groups, full coverage on your policy costs $2,458 per year more than just buying liability only. At some point, about every driver wonders if buying full coverage is worth the money. There is no definitive formula for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s replacement value is $7,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,500 after paying your deductible. If you are paying over $650 annually for physical damage coverage, then you might want to consider buying only liability coverage.
Can you find cheaper Grand Cherokee insurance?
Sacramento auto insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Turning one year older, moving to a different location, or getting a couple of tickets may prompt premium changes resulting in some rates now being more affordable than before. Not only may your risk profile change, but insurers modify pricing as needed in order to protect their financial rating. A period of increased losses can cause higher prices, while lower claim expenses can produce cheaper Grand Cherokee insurance rates.
To illustrate this example, the bar chart below analyzes the cheapest car insurance in Sacramento, CA for a 40-year-old female driver with no prior claims, no tickets, and excellent credit. If we compare prices based on her current risk profile, USAA quotes the lowest car insurance rates in Sacramento at $1,463 annually. This is $188 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the cheapest Sacramento, CA auto insurance companies.
Now let’s give the driver from above some claims, a little lower credit rating, and a few traffic violations. Since each auto insurer has their own guidelines to determining premium rates, comparing insurance quotes will most likely result in a new list of the cheapest car insurance companies in Sacramento as shown below.
Grange now has the lowest price on auto insurance in Sacramento, CA with Mercury, GEICO, Progressive, and Allstate completing the list. This demonstrates why Sacramento drivers need to take the time to shop around to get the most budget-friendly car insurance quotes for a Jeep Grand Cherokee.
Car insurance prices can be determined by many factors and change substantially, so the cheapest rate when you last compared rates may now be an over-priced policy.
How to find economical insurance for a Jeep Grand Cherokee
The list below summarizes a few thrifty solutions that can help California drivers buy lower-cost coverage.
- Prevent rate increases by staying accident-free
- Maintain a clean driving record
- Do not pay for full coverage on older vehicles
- Home or renters coverage can save on auto insurance
- Safe vehicles cost less to insure
- Pay less by remaining claim-free
- Keep rates low by shopping around frequently
The last tip is especially vital, as was emphasized in this article. Coverage rates in Sacramento vary greatly, so drivers shouldn’t hesitate to switch to a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a great idea if that stubbornness costs you money that could be going to better use. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for a Jeep Grand Cherokee.
The Sacramento car insurance agencies listed below can probably help you determine which auto insurance policy fits you best, since many consumers aren’t sure which coverage to buy and prefer to have some professional guidance when shopping for the best coverage for a Grand Cherokee. It can be complicated to find the best coverage yourself, so agents can provide you satisfaction knowing your policy gives you sufficient coverage at claim time. To locate a Sacramento auto insurance agent close to you, click the link at the bottom.
- Travis Beyer – State Farm Insurance Agent
2455 Jefferson Blvd #115 – West Sacramento, CA 95691 – (916) 375-0144 - Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 - Schmoekel Insurance Inc
7558 Stockton Blvd – Sacramento, CA 95823 – (916) 753-1480 - Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490 - GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050