Buying the best cheap insurance for a Jeep Grand Cherokee relies on a whole bunch of factors such as your marital status, where you live, and your choice of physical damage deductibles. California drivers pay around $1,516 annually to insure their Grand Cherokee, but that price is an estimate using a 40-year-old single male driver with full physical damage coverage and $250 deductibles.
There’s a high likelihood you are not 40 and maybe not even a male, married instead of single, or maybe you don’t qualify for the same discounts. Having the smallest difference in the criteria used to calculate rates may result in significant differences in the amount insurance costs for a Jeep Grand Cherokee.
Auto insurance is not the same for everyone, so the way we recommend to find affordable rates for your Jeep is to compare as many rates as possible. Price quotes are quick and you will receive price comparisons from some of the best companies that insure Jeep vehicles in California.
Cheapest Jeep Grand Cherokee Insurance Rates
The trim level of your Jeep will likely have an effect on the annual cost of coverage, so the rate you pay to insure a Grand Cherokee Laredo 2WD will be $162 less than the cost to insure the more expensive 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 | $334 | $662 | $534 | $32 | $160 | $1,722 | $144 |
| Grand Cherokee Laredo 4WD | $334 | $662 | $534 | $32 | $160 | $1,722 | $144 |
| Grand Cherokee Limited 2WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| Grand Cherokee Limited 4WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| Grand Cherokee SRT-8 4WD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease auto insurance rates significantly.
Ending up with the top insurance provider can be a challenge considering how many companies there are in California. The ranking data shown below can help you choose which providers you want to consider purchasing coverage from.
These rankings are for the largest companies in America, so companies without a large exposure are not included in the list. To compare rates from these companies and more, follow this link.
Top 10 Large Auto Insurers in Chula Vista Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers in Chula Vista Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Rate difference between full and liability-only coverage
Saving on car insurance is important to the majority of drivers, and an effective way to find cheaper insurance for a Jeep Grand Cherokee is to only buy liability coverage. The example below compares auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Averaged for all age groups, physical damage insurance costs an extra $2,341 per year over having just liability coverage. Many of you may wonder when is the right time to remove full coverage. There is no clear-cut rule of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
The importance of shopping around
Chula Vista, CA car insurance rates are determined by lots of factors that control the policy price. Simply turning a year older, buying higher coverage limits, or having an at-fault accident can produce rate changes that may make certain companies more affordable than others. Not only may your situation change, but insurers change rates at least once a year to adjust for unexpected claims or profits. Higher than normal claims can result in higher prices, while a lower level of claims can result in lower-priced Grand Cherokee insurance rates.
As an example, the chart below analyzes the cheapest car insurance in Chula Vista, CA for a 30-year-old female driver with a clean driving record, no accidents, and good credit. Based on her current risk profile, USAA might offer the cheapest car insurance rates in Chula Vista at $1,155 per year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the top five cheapest Chula Vista, 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 blemish on her driving record. Since each auto insurer has a different formula for filing rates in each state, analyzing rates may now show a completely different list of affordable companies as shown below.
Grange now has the lowest car insurance rate in Chula Vista, CA with Allstate, GEICO, Mercury, and Progressive completing the list. This shows why Chula Vista drivers need to spend some time comparing rates when trying to find the most budget-friendly car insurance rates for a Jeep Grand Cherokee. Insurance rates are calculated by many things and change frequently, so the best company six months ago may now be wasting a lot of money.