Finding cheap insurance for a Jeep Grand Cherokee in Texas is pretty simple, but it relies on a complicated rating formula that uses factors such as the mileage of your daily commute, your credit rating, and violations on your driving record. Texas drivers will pay on average $1,462 per year to insure their Grand Cherokee, but that figure is a valuation based on a 40-year-old single female driver with full coverage and $100 deductibles.
This brings up the issue that more than likely you may not be 40 years old (or even female), maybe you are married instead of single, or maybe you have a speeding ticket or two that will increase rates. Everone’s needs are different, and this illustrates why the best method for finding affordable rates for your Jeep is to do the rate comparisons yourself.
The trim level of your vehicle will be a contributing factor to the cost of insurance, so the price to insure a Grand Cherokee Laredo 2WD trim level will cost $160 less than the cost to insure the higher-priced Grand Cherokee SRT-8 4WD model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $314 | $670 | $496 | $30 | $148 | $1,658 | $138 |
| Grand Cherokee Laredo 4WD | $314 | $670 | $496 | $30 | $148 | $1,658 | $138 |
| Grand Cherokee Limited 2WD | $356 | $788 | $496 | $30 | $148 | $1,818 | $152 |
| Grand Cherokee Limited 4WD | $356 | $788 | $496 | $30 | $148 | $1,818 | $152 |
| Grand Cherokee SRT-8 4WD | $356 | $788 | $496 | $30 | $148 | $1,818 | $152 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in Dallas location which can raise or lower coverage rates significantly.
Choosing a high-quality car insurance company is difficult considering how many different companies there are to choose from in Texas. The rank data in the lists below may help you select which car insurance companies to look at when trying to find the cheapest insurance for a Jeep Grand Cherokee. These rankings are for the companies with a significant amount of written premium nationwide, so companies that focus mainly on Texas business are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Comparison of full coverage and liability-only policies
Finding cheaper insurance is the goal of the majority of vehicle owners, and one of the easiest ways to save on the cost of insurance for a Jeep Grand Cherokee is to only buy liability insurance. The chart below visualizes the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
If we average the cost for ages 20 through 70, comp and collision coverage costs $2,022 per year more than just buying liability only. That may make you wonder when is it safe to stop buying full coverage. There isn’t a written rule of when to phase out physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
Why are you paying too much to insure your Grand Cherokee?
Texas insurance rates are determined by lots of factors that may substantially change the cost of a policy. Simply improving your credit, buying a home, or having an accident can trigger rate changes resulting in some rates now being affordable when they were higher priced. And not only may your rating factors change, but car insurance companies change rates every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claims may result in additional premium costs, while lower claim levels can result in more affordable Grand Cherokee insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in Dallas, TX for a 40-year-old male driver with no accidents or violations, and good financial standing. If we estimate rates based on his current rating profile, Travelers has the most affordable car insurance rates in Dallas at $1,364 annually. This is $540 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the top five cheapest Dallas, TX auto insurance companies.
Now we will give the driver from the first example a couple of claims, less-than-perfect credit, and a couple of points charged on his driving record. Because every insurance company has a proprietary method to determine rates, comparing insurance quotes may now present a significantly different list of the cheapest Dallas car insurance companies as shown below.
State Farm now has the best insurance rate in Dallas with Mercury, USAA, Nationwide, and Safe Auto completing the list. This example illustrates why it is crucial to take the time to shop around when trying to get the most economical car insurance quotes for a Jeep Grand Cherokee.
Insurance prices are calculated by many risk factors and change dramatically, so the best company the last time you compared rates may now cost much more than other companies.
The agents below are willing to help you determine which is the best policy, since some people have coverage questions and would like to have the advice of a professional agent when trying to find the best insurance rates for a Jeep Grand Cherokee. It can be complicated to find the cheapest rates, so a licensed agent can give comfort knowing your policy gives you decent coverage if you have a claim. To locate a Dallas car insurance agency close to you, click the link at the bottom.
- State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 - Steven Graves Insurance
11300 N Central Expy #430 – Dallas, TX 75243 – (214) 599-0808 - Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610
View more Dallas, TX insurance agents
How to find budget-friendly insurance for a Jeep Grand Cherokee
The list below shows many penny-pinching suggestions that can help drivers get more affordable coverage.
- Drive safe vehicles
- Avoid accidents
- Ensure your driving record is clean
- If possible, pay for small claims out-of-pocket
- Good credit scores may lower your rates
- Check for cheaper rates once a year
That final tip is incredibly important, as was stressed in this article. Prices charged by auto insurers fluctuate constantly, so don’t be unwilling to switch to a new company if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not recommended if that devotion results in you overpaying thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper insurance for a Jeep Grand Cherokee in Dallas.