Finding the cheapest insurance for a Jeep Grand Cherokee in California relies on many rating criteria such as miles driven annually, if you have recent claims, and your driving record. Drivers pay on average $1,056 annually for Grand Cherokee insurance, but that is an estimate using a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
It’s highly likely you are not 50 and maybe not even a female, maybe you are married instead of single, or maybe you just want liability only. Insurance is an individual thing, so the best way to find cheap insurance rates for your Jeep is to compare rates from as many companies as possible.
The trim level of your vehicle can impact the insurance rate, so the rate you pay to insure a Grand Cherokee Laredo 2WD model will be $86 lower than the cost to insure the more well-appointed Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Grand Cherokee Laredo 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Grand Cherokee Limited 2WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Grand Cherokee Limited 4WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Grand Cherokee SRT-8 4WD | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can revise auto insurance rates considerably.
Establishing which company has the lowest-priced car insurance rates for a Jeep Grand Cherokee takes a little more sweat than just getting one or two price quotes.
Each insurer has their own guidelines to set premium rates, so let’s examine the car insurance companies with the most affordable rates in California. It’s a good idea to be aware that California car insurance rates are impacted by many things which can substantially change the cost of a policy. Improving your credit rating, buying a different home, or getting a couple of tickets may prompt premium changes resulting in some companies being more affordable than the competition.
Best Car Insurance Prices for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,533 |
| 9 | Progressive | $1,558 |
| 10 | Allstate | $1,559 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Fresno at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also are some of the cheaper Fresno, CA auto insurance companies.
As the rates illustrate above, if you are a policyholder with CSAA and switched to USAA, you may realize a yearly price reduction of roughly $65. Customers with Nationwide may save as much as $105 a year, and Century National insureds might cut rates by $105 a year.
To find out how your current rates compare, click here to get quotes or click several companies below for low rates.
It’s important to note that these policy prices are averaged across all insureds and vehicles and do not factor in an exact zip code location for a Jeep Grand Cherokee. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.
Difference between liability only and full coverage rates
Reducing premiums for car insurance is the goal of the majority of people, and one good way to save on the cost of insurance for a Jeep Grand Cherokee is to buy liability only. The information below shows the difference between insurance rates with and without full coverage. Data assumes no claims or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $3,285 per year more than just insuring for liability. Many people question when is the right time to remove full coverage. There is no definitive formula of when to eliminate full coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
Don’t stick with an overpriced policy
Fresno, CA car insurance rates are determined by lots of factors that may substantially change the policy price. Turning one year older, having a teen driver, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being cheaper than competitors.
And not only may your rating factors change, but insurers change prices at least once a year in order to maintain liquidity for claims. Higher than usual claims may result in increased rates, while lower claim levels can result in cheaper Grand Cherokee insurance rates.
To illustrate this example, the bar chart below shows the company with the cheapest car insurance in Fresno, CA for a 35-year-old female driver with no accidents or violations, and great credit. If we estimate rates based on her current situation, USAA might offer the cheapest car insurance rates in Fresno at $1,284 a year. This is $367 less than the average policy premium paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide also make the list of the cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example an accident surcharge, slightly worse credit, and a traffic citation. Due to the fact that every auto insurer has their own process for filing rates in each state, comparing rates may result in a completely different list of the cheapest Fresno car insurance companies as shown below.
Grange now has the best price on car insurance in Fresno with Progressive, Allstate, Mercury, and The Hartford now rounding out the top five. This shows why it is critical to perform an extensive rate comparison to get the most affordable insurance rates for a Jeep Grand Cherokee. Prices can be altered by many risk factors and change substantially, so the cheapest rate three years ago may now cost much more than other companies.
If you have questions and prefer to have a professional recommendation when shopping around for cheaper insurance for a Jeep Grand Cherokee, the insurance agencies below can help you determine which insurance coverage you need.
To locate a Fresno car insurance agency close to where you live, click the button below the list or click here to get price quotes now.
- Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 - Progressive Insurance
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500 - Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600
View more Fresno, CA insurance agents
How to find more affordable car insurance for a Jeep Grand Cherokee
It’s not impossible to find cheaper rates, and here are some penny-pinching ideas that can help Fresno drivers buy low-cost coverage.
- Do not get into accidents
- Improve your credit rating
- Lower rates by purchasing a safer vehicle
- Try to not file small claims
- Save money by observing traffic laws and speed limits
- Compare rates often to find the best deal
That last tip is especially necessary, as we discussed in the prior information. Prices in Fresno go up and down frequently, so don’t be hesitant to switch to a new company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty ends up costing a lot of money every month. It only takes a couple minutes to shop around and find cheaper insurance for a Jeep Grand Cherokee.