How Much Is Auto Insurance for a Jeep Grand Cherokee?
The average annual premium for a Jeep Grand Cherokee is $516 for minimum coverage and $1,531 for full coverage. Car insurance is required in almost every state. Many drivers choose full coverage because it provides the most protection. Other motorists want the cheapest car insurance for a Jeep they can find.
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Comparing Insurance Costs for Your Grand Cherokee to Other Vehicles
There are a number of reasons why your Jeep may come with a higher or lower premium than drivers of competing makes and models, like the Toyota Highlander, Ford Explorer, and Chevrolet Equinox. Variables include the likelihood of theft, body style, engine size, safety features, and dozens of similar characteristics.
|Make/Model||Annual Full Coverage Insurance|
|Jeep Grand Cherokee||$1,531|
Types of Car Insurance Coverage for Your Grand Cherokee
There are many options for every Jeep Grand Cherokee driver, including state minimum liability and full coverage.
Full coverage combines liability, collision, and comprehensive. You may also choose to include optional selections like roadside assistance, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments (MedPay) coverage.
Some states require uninsured motorist coverage and PIP.
One of the best things about full coverage is that it provides first-party benefits, not strictly third-party benefits like liability-only offers. For example, collision covers damages due to collision-related events, while comprehensive covers non-collision-related incidents like falling objects, theft, vandalism, hail, and natural disasters.
How much you pay in full coverage depends on several factors, such as the make and model of your vehicle, age, gender, zip code of residence, and driving record.
It is highly recommend that you carry full over a state minimum liability policy. If leasing or financing your vehicle, the finance company may require full coverage to preserve their vehicle’s value better.
State Minimum Liability
All states require a minimum amount of bodily injury and property damage liability.
For example, all California drivers must carry a 15/30/5 ($15,000/$30,000/$5,000) policy versus a 30/60/25 policy for Texas drivers. The first number represents bodily injury liability per person, the second represents part of the injury liability for accident, and the third represents property damage liability per accident.
Keep in mind that minimum liability and required coverages vary by state. For example, Florida requires that its drivers carry $10,000 in personal injury protection (PIP), and California does not.
With a single car accident potentially responsible for more than $40,000 in medical expenses and $60,000 in property damages, a minimum 15/30/5 policy is not enough to avoid out-of-pocket costs.
How Does a DUI Affect Insurance Rates for a Grand Cherokee?
Being convicted of a DUI is one of the worst things that can happen to your premiums.
The percentage rate increase after a DUI depends on several factors, such as your driving record, the severity of the offense, the date of your last DUI conviction, state laws, underwriting policy, and similar variables. In the worst of cases, your auto insurance company could even reject or outright cancel your policy. So do not be surprised if your premiums rise by 50% or more.
You may be required to file an SR-22 form with your state’s DMV outside of increased premiums. An SR-22 is proof that you are carrying the minimum required liability coverage to drive in your state legally. Expect to pay additional fees for the privilege.
If you are convicted of a DUI, we recommend you compare multiple providers, as not all providers treat DUI insurance the same.
What Are Some Auto Insurance Discounts?
One of the best ways Jeep Grand Cherokee drivers can save on a policy is to enroll in discount programs.
Many types of discounts available to drivers include safe driver, multi-policy, low mileage, safety feature, and multi-vehicle discounts.
- Safe driver discounts are awarded to drivers who maintain a clean driving record for at least 3 to 5 years.
- Multi-policy and multi-vehicle discounts reward drivers for purchasing two or more vehicle/policy types (e.g., auto and renters coverage) under the same insurer, saving more than if you were to buy each policy individually.
- Safety feature discounts are extended to drivers who install anti-lock brakes, daytime running lights, anti-theft devices, and similar upgrades.
All in all, do not hesitate to explore all of your discount options with your auto insurance company. A simple phone call can cut $200 or $300 off your annual bill without increasing deductibles or lowering liability limits.
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What Are Some of the Characteristics of the a Jeep SUV?
It is classified in the mid-size SUV segment.
The vehicle is available in six trims: Laredo, Altitude, Limited, Overland, Summit, and Summit Reserve, with a 3.6-liter V-6, a 5.7-liter Hemi V-8, and plug-in hybrid as engine options.
Standard features include an 8.4-inch touch screen, a six-speaker sound system, a 10.25-inch digital gauge cluster, and a suite of driver assistance features such as blind spot monitoring and lane departure warning. Upgrading to higher-level trims offers a 19-speaker McIintosh premium audio system and Palermo leather seating.
Main competitors are the Honda CR-V, Nissan Rogue, Ford Escape, and Chevrolet Equinox.
Find the Best Car Insurance Rates for Your Jeep Grand Cherokee Online Today
It is effortless to go over all of your coverage options with Freeway Insurance,
Get started with Freeway Insurance by requesting an online quote, making an in-person visit to one of our offices, or requesting our free no-obligation consultation with one of our agents by calling 800-777-5620. We look forward to providing you with your following policy, keeping you and your family safe on the road.