What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Riverside?

Buying economical coverage for a Jeep Grand Cherokee in California relies on a large number of rating criteria such as how you use your vehicle, your profession, and your choice of deductibles. California drivers pay approximately $1,341 annually to insure their Grand Cherokee, but that is a projection calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.

It’s highly likely you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you just want different deductibles. There is no perfect policy for every driver, so the only real way to find cheap auto insurance rates for your Jeep is to compare as many rates as possible.

Cheapest Jeep Grand Cherokee Insurance Rates

Your vehicle’s trim level will influence the annual cost of coverage, so the price you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $128 cheaper than the price to insure the higher-end Grand Cherokee SRT-8 4WD trim level, as shown in the prices below.

Jeep Grand Cherokee Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $272 $534 $534 $32 $160 $1,532 $128
Grand Cherokee Laredo 4WD $272 $534 $534 $32 $160 $1,532 $128
Grand Cherokee Limited 2WD $306 $628 $534 $32 $160 $1,660 $138
Grand Cherokee Limited 4WD $306 $628 $534 $32 $160 $1,660 $138
Grand Cherokee SRT-8 4WD $306 $628 $534 $32 $160 $1,660 $138
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in zip code location which can increase or decrease rates greatly.

Deciphering which company offers the most affordable insurance rates for a Jeep Grand Cherokee may require a little more work in order to find the lowest price. Each company uses different criteria for filing rates in each state, so let’s look at the rankings for the most competitive insurance companies in California.

Cheapest Insurance Rates for Your Jeep

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 Century National $1,214
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,433
8 Progressive $1,496
9 Allstate $1,497
10 Mercury $1,548
11 Allied $1,556
12 GEICO $1,575
13 The Hartford $1,575
14 MetLife $1,606
15 State Farm $1,699
16 Unitrin $1,733
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $1,966
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USAA generally has some of the cheapest car insurance rates in Riverside at around $1,155 per year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the most economical Riverside, CA car insurance companies.

As shown in the table above, if you buy coverage from Wawanesa and switched to USAA, you could earn annual savings of approximately $2. Insureds with Century National could save as much as $59 a year, and CSAA policyholders might reduce prices by as much as $79 a year.

Understand that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for a Jeep Grand Cherokee. So the company that is most affordable for your situation may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The information below highlights how deductible selection can affect insurance rates when researching cheap insurance for a Jeep Grand Cherokee. The prices are based on a single male driver, full physical damage coverage, and no discounts are factored in.

A 30-year-old driver could cut expenses by $568 a year by increasing from a $100 deductible up to a $500 deductible, or save $856 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, have the ability to save up to $1,674 each year just by choosing higher deductibles.

When increasing deductibles, it will be required to have plenty of money set aside to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Why you should compare rates

California insurance rates are influenced by many factors which can substantially change the price of your policy. Getting older, adding a teenager to your policy, or getting a few speeding tickets can trigger price changes that can make some companies more affordable than before.

In addition, car insurance companies change rates as often as every quarter to adjust for unexpected claims or profits. Heavier than normal losses can cause increased policy costs, while a lower level of claims may cause lower-cost Grand Cherokee insurance rates.

To illustrate this point, the graph below shows which company has the cheapest car insurance in Riverside, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and good financial standing. When comparing rates based on his current situation, USAA has the most affordable car insurance rates in Riverside at $1,273 annually. This is $378 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the cheapest Riverside, CA auto insurance companies.

In this example, we will give the driver from the above example some claims, a lower credit score, and a speeding citation. Since every car insurance company has their own unique process for filing rates in each state, analyzing rate quotes may now show a different list of the cheapest Riverside car insurance companies as shown below.

Grange now has the lowest price on auto insurance in Riverside, CA with GEICO, Progressive, Allstate, and Mercury now rounding out the top five. This example demonstrates why it is so important to perform a complete rate comparison to get the most affordable auto insurance rates for a Jeep Grand Cherokee. Auto insurance prices are made up of many different factors and change frequently, so the most economical option six months ago may now not even be in the top five.