Finding economical auto insurance for a Jeep Grand Cherokee in Ohio hinges on a lot of factors such as whether the vehicle is new, the performance level of your vehicle, and any prior driving offenses. Drivers will pay around $941 a year to insure their Grand Cherokee, but that amount is an estimation based on a 30-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
Odds are that you may not be 30 years old (or even female), married instead of single, and you may just want the cheapest liability coverage you can find. Even a minor difference in policy rating criteria or coverages could end up in a significant change in the cost of a policy.
Auto insurance is not the same for everyone, so the only way to find cheap car insurance rates for your Jeep is to do your own rate comparisons. To start saving now, get free quotes and you will get price quotes from the best auto insurance companies that sell coverage in Ohio.
The trim level of your Grand Cherokee tends to have a direct effect on price, so the cost to insure a Grand Cherokee Laredo 2WD trim level will be $106 less expensive the cost to insure the high end 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 | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Grand Cherokee Laredo 4WD | $216 | $434 | $306 | $18 | $92 | $1,066 | $89 |
| Grand Cherokee Limited 2WD | $244 | $512 | $306 | $18 | $92 | $1,172 | $98 |
| Grand Cherokee Limited 4WD | $244 | $512 | $306 | $18 | $92 | $1,172 | $98 |
| Grand Cherokee SRT-8 4WD | $244 | $512 | $306 | $18 | $92 | $1,172 | $98 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in garaging location in Toledo which can decrease or increase premiums greatly.
Finding the top company can be difficult considering how many choices there are in Ohio. The company information displayed below could help you analyze which car insurance companies to look at when trying to find the cheapest insurance for a Jeep Grand Cherokee. These rankings are only made up of large insurance companies, so companies that focus mainly on Ohio business will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
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Data Source: Insure.com Best Car Insurance Companies
How careless driving impacts auto insurance rates
The easiest way to find the cheapest auto insurance prices in Ohio for a Grand Cherokee is to drive safe and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and at-fault accidents influence yearly insurance costs for different insured age categories. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $932. Get written up for one speeding ticket and the average cost increases to $1,088, an increase of $155 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for a Jeep Grand Cherokee goes up to an average of $1,518. That’s an increase of $586, or $49 per month, just for not keeping your driving record clean!
Rate difference between full and liability-only coverage
Buying cheaper auto insurance should be important to most vehicle owners, and one great way to pay lower rates for insurance for a Jeep Grand Cherokee is to not insure for full coverage. The illustration below compares car insurance rates with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,136 per year more than just buying liability insurance. Lot’s of drivers question when is the right time to remove full coverage. There is no definitive rule of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
Ideas to find budget-friendly car insurance for a Jeep Grand Cherokee
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help Ohio drivers locate low-cost car insurance.
- Be a safe driver
- Good credit scores may lower your rates
- Increase physical damage deductibles
- Staying accident-free helps keep rates low
- Safer vehicles cost less to insure
- Full coverage is expensive so only insure older vehicles for liability only
- Compare rates regularly and switch companies to save money
The last item on the list is highly crucial, as was affirmed in the article above. Coverage rates in Toledo change constantly, so you should be ready to buy from a new company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but we do not recommend it if that dedication is costing potentially thousands of dollars a year. It only take a few minutes to compare rates and find cheaper insurance for a Jeep Grand Cherokee.
The insurance agents in Toledo listed below are a good start to help you determine which coverages you need, as some people prefer to get some help when shopping around for cheaper insurance for a Grand Cherokee. It can be hard to find the cheapest car insurance policy, and agents can add satisfaction knowing you have adequate protection in the event of a claim.
To locate a Toledo car insurance agency nearest to you, click the button below the list or click here to compare price quotes.
Bob Burns Insurance and Financial
2229 W Laskey Rd – Toledo, OH 43613 – (419) 471-1950
Mouch Insurance Associates, Inc.
3132 W Sylvania Ave – Toledo, OH 43623 – (419) 725-0056
Allstate Insurance: Yark Insurance Agency
6019 Central Ave b – Toledo, OH 43615 – (419) 842-7660
RBI Insurance and Financial Services
3421 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 841-4446