Finding competitive insurance for a Jeep Grand Cherokee is pretty simple for most people to do, but it hinges on many rating factors such as annual vehicle mileage, where you live, and violations on your driving record. Drivers in Ohio will pay around $702 annually to insure their Grand Cherokee, but that amount is an estimation calculated based on a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
It’s highly likely you’re not a 30-year-old male, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. This shows why the only real way to find cheap auto insurance rates for your Jeep is to put in the effort to do a thorough rate comparison.
Cheapest Jeep Grand Cherokee Insurance Rates
The trim level of your Jeep tends to impact price, so the price you will pay to insure a Grand Cherokee Laredo 2WD will cost $64 less than the insurance cost for the fancier Grand Cherokee SRT-8 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$162||$238||$298||$18||$88||$804||$67|
|Grand Cherokee Laredo 4WD||$162||$238||$298||$18||$88||$804||$67|
|Grand Cherokee Limited 2WD||$184||$280||$298||$18||$88||$868||$72|
|Grand Cherokee Limited 4WD||$184||$280||$298||$18||$88||$868||$72|
|Grand Cherokee SRT-8 4WD||$184||$280||$298||$18||$88||$868||$72|
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can lower or raise premiums noticeably.
Picking the highest-rated insurance provider can be challenging considering how many different insurance companies sell coverage in Ohio. The company rank data shown next could help you select which insurers you want to consider shopping your coverage with. These rankings only include the largest companies in America, so smaller companies that only insure vehicles in Ohio are not factored into the list.
Top 10 Large Auto Insurance Companies in Columbus Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
The information below highlights how deductible choice can impact insurance prices when searching for cheap insurance for a Jeep Grand Cherokee. The prices are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could cut expenses by $214 a year by changing from a $100 deductible to a $500 deductible, or save $324 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices $548 annually by using a higher deductible. When choosing a higher deductible, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Why you should shop around for Grand Cherokee insurance
Columbus car insurance rates are influenced by many factors that control the cost of coverage. Simply turning a year older, buying a new vehicle, or getting a DUI can trigger rate changes resulting in some rates now being affordable when they were higher priced. In addition to those changes, insurers file new Ohio car insurance rates every year to ensure their profitability. Significantly higher claims can cause a rate increase, while long-term profits can cause cheaper Grand Cherokee insurance rates.
The chart below shows which companies have the cheapest car insurance in Columbus, OH for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. Based on her current rating profile, Utica National might quote the lowest car insurance rates in Columbus at $780 a year. This is $260 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the rest of the most affordable Columbus, OH auto insurance companies.
Now we will pretend the driver in the first chart a claim, slightly worse credit, and a traffic ticket or two. Since every car insurance company has a proprietary formula for determining rates, analyzing rate quotes may now result in a completely different list of affordable companies as shown below.
Merchants Insurance Group now has the cheapest auto insurance in Columbus with Cincinnati Insurance, Grange Mutual, General Casualty, and Motorists Mutual now rounding out the top five. This illustrates why it is critical to compare rates to get the most economical insurance quotes for a Jeep Grand Cherokee. Car insurance prices are influenced by many different factors and can change substantially, so the best company when you last compared rates may now be quite expensive.