Buying the best cheap coverage for a Jeep Grand Cherokee in California is normally pretty easy, but it hinges on a complicated formula that considers factors such as your gender, your credit history, and physical damage deductibles. Drivers in California pay around $1,170 each year to insure their Grand Cherokee, but that cost is an approximation based on a 50-year-old married male driver with full physical damage coverage and $250 deductibles.
There’s a high likelihood you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you are just looking for cheap liability insurance. Auto insurance is unique to each driver, so the best method for finding the most affordable coverage for your Jeep is to compare as many rates as you can. Price quotes are quick and you will receive price comparisons from top-rated car insurance companies that insure Jeep vehicles in California.
Your Jeep’s trim level tends to have a direct effect on the cost of insurance, so the price to insure a Grand Cherokee Laredo 2WD will be $120 less than the cost to insure the fancier Grand Cherokee SRT-8 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$266||$490||$424||$26||$126||$1,332||$111|
|Grand Cherokee Laredo 4WD||$266||$490||$424||$26||$126||$1,332||$111|
|Grand Cherokee Limited 2WD||$300||$576||$424||$26||$126||$1,452||$121|
|Grand Cherokee Limited 4WD||$300||$576||$424||$26||$126||$1,452||$121|
|Grand Cherokee SRT-8 4WD||$300||$576||$424||$26||$126||$1,452||$121|
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in Irvine location which can alter coverage rates substantially.
Finding a good quality insurance provider is difficult considering how many different companies there are to choose from in California. The company rank data in the lists below can help you select which auto insurance companies you want to consider when shopping around.
These ratings include companies who write in the majority of U.S. states, so companies that may only write in California are not factored into these rankings. To compare price quotes from these and other competitive companies, simply click here.
Top 10 Large Auto Insurers in Irvine Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurers in Irvine Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Impact of citations and accidents on insurance rates
The ideal way to receive affordable car insurance prices for a Grand Cherokee is to be a good driver and not get tickets or have accidents. The example below shows how violations and at-fault collisions drive up auto insurance costs for different insured age categories. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $2,112. Get one speeding ticket and the average cost rises to $2,459, an increase of $346 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Jeep Grand Cherokee jumps again to an average of $5,467. That’s an increase of $3,355, or $280 per month, just for not keeping your driving record clean!
Low rates today, overpriced tomorrow
California car insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Simply getting older, moving across town, or getting a speeding ticket can cause premium changes that can make some companies cheaper than others.
Not only may things change on your end, but companies file new California car insurance rates at least once a year to adjust for gains or losses. Higher than normal claim frequency or severity can result in increased policy costs, while profitable underwriting can cause lower-cost Grand Cherokee insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Irvine, CA for a 40-year-old male driver with a good driving record, no prior claims, and excellent credit. If we look at prices based on his current rating profile, USAA quotes the cheapest car insurance rates in Irvine at $1,160 a year. This is $491 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.
Now let’s give the driver from the above example a claim surcharge, a lower credit rating, and a speeding ticket. Since each insurance company has a proprietary method for determining rates in each state, analyzing rate quotes could now result in a substantially altered list of cheap Irvine auto insurance companies as shown below.
Grange now has the cheapest price in Irvine, CA with Allstate, Mercury, Progressive, and GEICO now rounding out the top five. This demonstrates why drivers need to do a thorough rate comparison when trying to get cheap auto insurance rates for a Jeep Grand Cherokee.
Prices are determined by many different factors and can change substantially, so the cheapest rate six months ago may now not even be in the top five.