Finding economical coverage for a Jeep Grand Cherokee in California is dependent upon a lot of rating criteria such as when you were born, where you live, and whether or not you are a good driver. Drivers in California pay on average $1,694 a year for Grand Cherokee insurance, but that amount is using a 40-year-old single female driver with full physical damage coverage and $100 deductibles.
There’s a high likelihood you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you live in a different area as the quoted rates. Auto insurance is not the same for everyone, so the only way to find affordable rates for your Jeep is to compare as many rates as you can.
The specific model of Grand Cherokee will have an impact the insurance rate, so the price to insure a Grand Cherokee Laredo 2WD model will cost $184 less than the price to insure the fancier Grand Cherokee SRT-8 4WD version, as shown in the table 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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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can affect premiums significantly.
Selecting the top insurer can be a challenge considering how many different insurance companies sell coverage in California. The ranking information in the lists below could help you analyze which auto insurance companies to look at comparing rates from.
These rankings are only comprised of companies that insure vehicles across America, so companies with more of a regional focus will not be included in these rankings. To compare prices and find cheaper insurance for a Jeep Grand Cherokee, just click here.
| 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 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Does it make sense to buy full coverage?
Reducing the cost of car insurance is important to most drivers, and an effective way to pay lower rates for insurance for a Jeep Grand Cherokee is to not insure for full coverage. The information below illustrates the difference between premium costs with and without physical damage coverage. The price estimates are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
As an average for all age groups, comp and collision coverage costs an additional $2,988 per year more than just buying liability insurance. That is a big expense that brings up the question when is the right time to remove full coverage. There is no exact rule that works best for making the decision to drop physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying the physical damage deductible. If you are paying more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.
The diagram below highlights how deductible choice can raise or lower annual premium costs when quoting cheap insurance for a Jeep Grand Cherokee. The rates are based on a single male driver, comp and collision included, and no discounts are applied.
As shown above, a 40-year-old driver could pocket $436 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $656 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, can save up to $1,432 every year by choosing a higher deductible.
If you do make the decision to raise your deductibles, it will be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Low rates today, overpriced tomorrow
Los Angeles, CA car insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Simply having another birthday, buying a home, or having an accident may generate price changes that may make certain companies cheaper than competitors.
Additionally, insurance companies change premium rates without warning in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can result in more expensive prices, while a better loss history may produce cheaper Grand Cherokee insurance rates.
To help illustrate this point, the graph below compares the cheapest car insurance in Los Angeles, CA for a 30-year-old female driver with a clear driving record, no claims, and a good credit history. When comparing rates based on her current risk profile, USAA offers the lowest car insurance rates in Los Angeles at $1,781 a year. This is $130 more than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the remaining top five cheapest Los Angeles, CA auto insurance companies.
The example below compares rates after we give the driver from the first example a claim surcharge, bad credit, and an imperfect driving record. Since each insurance company uses a different method to set policy rates, analyzing rate quotes may now show a different list of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the cheapest car insurance in Los Angeles, CA with Mercury, Progressive, GEICO, and Allstate also being competitive. This shows why it is critical to shop around when trying to find cheap car insurance rates for a Jeep Grand Cherokee.
Auto insurance prices are calculated by many risk factors and change dramatically, so the most economical company six months ago may now be costing you a lot of money.
How to find low-cost auto insurance for a Jeep Grand Cherokee
Below you’ll find a few money-saving ideas that can help California drivers locate cheap car insurance.
- Increase physical damage deductibles
- Get cheaper liability coverage by choosing a safer vehicle
- Clean up your credit
- Avoid accidents
- Avoid getting citations and tickets
- Compare rates often to find the best deal
That last tip is extraordinarily valuable, as was discussed in this piece. Prices charged by car insurance companies in Los Angeles change constantly, so don’t hesitate to switch to a new company if a lower-cost policy is available. Brand loyalty is not necessarily bad, but it’s not a good idea if that stubbornness costs you a small fortune year after year. If you have a few minutes, compare rates to find cheaper insurance for a Jeep Grand Cherokee.