Buying economical insurance for a Jeep Grand Cherokee in California doesn’t take a lot of effort, but it is dependent upon many rating factors such as how old the Grand Cherokee is, your credit rating, and your choice of deductibles. Drivers in California will pay around $1,408 a year for Grand Cherokee insurance, but that is a projection based on a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
But there is a high probability that you are not 40 and maybe not even a male, single instead of married, and maybe you have sub-par credit that needs to be factored in. Just a minor difference in the criteria used to calculate rates could end up with a large change in how much coverage for a Jeep Grand Cherokee costs.
This shows why the best way to find cheap auto insurance rates for your Jeep is to just take the time to compare rates yourself.
Find Cheaper Jeep Grand Cherokee Insurance
The specific trim level can impact the insurance rate, so the cost to insure a Grand Cherokee Laredo 2WD model will be $156 less expensive the price to insure the fancier Grand Cherokee SRT-8 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| Grand Cherokee Laredo 4WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| Grand Cherokee Limited 2WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| Grand Cherokee Limited 4WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| Grand Cherokee SRT-8 4WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in Stockton location which can lower or raise coverage prices substantially.
Figuring out which companies offer the most affordable auto insurance rates for a Jeep Grand Cherokee will involve a bit more effort in order to find the most economical policy. Each insurer uses their own formula to set their prices, so to begin we’ll rank the overall cheapest auto insurance companies in California.
It’s important that you understand Stockton, CA auto insurance rates are based on many factors that can increase the price you pay. Improving your credit rating, moving across town, or having a fender bender can trigger price changes that can now make some companies more affordable than before.
Compare Cheap Insurance Quotes for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,192 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA generally has some of the best car insurance rates in Stockton at around $1,121 annually. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Stockton, CA auto insurance companies.
In the above rates, if you are a customer of Nationwide and switched to USAA, you might see a yearly price reduction of in the vicinity of $92. Customers with Century National could save as much as $105 a year, and CSAA policyholders might reduce rates by $113 a year.
If you want to find out if you’re overpaying, click here to start a quote or click several companies below for low rates.
Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and and are not calculated with an exact location for a Jeep Grand Cherokee. So the insurer that has the cheapest price for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.
The diagram below shows how choosing a deductible can impact premium costs when trying to find cheap insurance for a Jeep Grand Cherokee. The rates are based on a married female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $420 a year by increasing from a $100 deductible up to a $500 deductible, or save $634 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut up to $1,042 every year by choosing larger deductibles on their policy. When raising deductibles, it’s a good idea to have spare funds to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How violations and accidents impact rates
In a perfect world, the ideal way to maintain the most affordable auto insurance rates in Stockton for a Grand Cherokee is to be a safe driver and avoid accidents and violations. The example below highlights how traffic violations and fender-benders impact auto insurance rates for each different age group. The prices are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of auto insurance in Stockton per year with no violations or accidents is $1,989. Add in two speeding tickets and the average cost hikes up to $2,740, an increase of $751 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Jeep Grand Cherokee goes up to an average of $3,503. That’s an increase of $1,514, or $126 per month, just for not driving attentively!
Get discount Stockton insurance
Car insurance companies that offer cheap quotes for a Jeep Grand Cherokee may also provide premium discounts that can reduce rates by as much as 35% if you are eligible for them. Larger auto insurance companies and a selection of discounts include:
- 21st Century includes discounts for teen driver, defensive driver, theft prevention, early bird, student driver, 55 and older, and driver training.
- State Farm may have discounts that include defensive driving training, safe vehicle, multiple autos, Drive Safe & Save, good student, and passive restraint.
- AAA has discounts for good driver, multi-car, good student, pay-in-full, and multi-policy.
- Liberty Mutual may include discounts for newly married, newly retired, safety features, new vehicle discount, new graduate, teen driver discount, and hybrid vehicle.
- Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, homeowner, good student, online signing, and online quote discount.
The example below illustrates the difference between insurance costs with and without discounts applied to the rates. The data is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, marriage, vehicle safety, accident-free, anti-theft, and multiple policy discounts applied. With discounts applied, theaverage amount saved on auto insurance for a Jeep Grand Cherokee is 28% or $860.