Finding affordable coverage for a Jeep Grand Cherokee in California is pretty easy for most people to do, but it hinges on lots of different rating factors such as whether you are single or married, your credit score, and physical damage deductibles. Drivers pay approximately $1,351 per year for Grand Cherokee insurance, but that amount is an approximation using a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you are not 50 years old and maybe not even female, you might be married instead of single, or maybe you prefer liability limits higher than required by California state law. Auto insurance requires individual risk assessment, so the only real way to find cheap insurance rates for your Jeep is to do the rate comparisons yourself.
The trim level of your Jeep will likely have an effect on price, so the rate you pay to insure a Grand Cherokee Laredo 2WD trim level will be $138 cheaper than the insurance cost for the more expensive Grand Cherokee SRT-8 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| Grand Cherokee Laredo 4WD | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| Grand Cherokee Limited 2WD | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Grand Cherokee Limited 4WD | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Grand Cherokee SRT-8 4WD | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in Bakersfield location which can lower or raise rates significantly.
Deciding which company offers the cheapest auto insurance rates for a Jeep Grand Cherokee requires a tad more effort in order to find the best policy. Every insurance company uses different criteria to set their prices, so let’s take a look at the auto insurance companies with the overall best prices in Bakersfield, CA.
It’s a good idea to be aware that Bakersfield, CA auto insurance rates are impacted by many factors which can substantially change the price you pay. Simply turning a year older, increasing liability limits, or having an at-fault accident can produce rate changes that can make some companies more affordable than before.
Find Cheaper Auto Insurance for Your Jeep
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | CSAA | $1,186 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,214 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | GEICO | $1,513 |
| 9 | Mercury | $1,533 |
| 10 | Allstate | $1,543 |
| 11 | Progressive | $1,558 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
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USAA has some of the cheapest car insurance rates in Bakersfield at around $1,109 per year. This is $542 less than the average price paid by California drivers of $1,651. CSAA, Wawanesa, Nationwide, and Century National also qualify as some of the cheaper Bakersfield, CA car insurance companies.
As the example above demonstrates, if you currently have coverage with Century National and switched to CSAA, you might achieve a yearly savings of around $28. California drivers with 21st Century could save as much as $180 a year, and Grange policyholders might realize rate reductions of up to $261 a year.
If you want to see how much you could save, click here to start your free quote or visit any of the low-priced companies below.
It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific location for a Jeep Grand Cherokee. So the insurer that fits your situation best may not even be in the top 24 companies shown above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Get discount Bakersfield auto insurance rates
Car insurance companies that offer coverage for a Jeep Grand Cherokee may provide rate discounts that can lower rates by as much as 35% or more if you meet specific eligibility requirements. A few of the larger companies and some of the discounts are:
- American Family offers discounts including Steer into Savings, bundled insurance, multi-vehicle, accident-free, and air bags.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, accident-free, good driver, defensive driving training, student away at school, and passive restraint.
- 21st Century has discounts for driver training, anti-lock brakes, defensive driver, good student, air bags, and early bird.
- Travelers has savings for student away at school, hybrid/electric vehicle, continuous insurance, multi-policy, save driver, and new car.
- GEICO offers premium reductions for anti-theft, federal employee, driver training, defensive driver, anti-lock brakes, and membership and employees.
The diagram below illustrates the difference between yearly insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, multiple policy, anti-theft, homeowner, vehicle safety, and accident-free discounts applied. In this example, theaverage yearly reduction on auto insurance for a Jeep Grand Cherokee is 28% or $909.
Comparing rates on Grand Cherokee insurance can save you money
Bakersfield, CA auto insurance rates are impacted by many things that will increase or decrease the cost of coverage. Simply improving your credit, getting divorced, or getting a DUI can trigger price changes resulting in some companies being more affordable than others.
Not only that, but insurers change premium rates every year or even multiple times each year to adjust for unexpected claims or profits. Heavy losses can result in higher priced premiums, while lower claims may result in cheaper Grand Cherokee insurance rates.
The data below shows which companies have the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with a clear driving record, no claims, and a good credit rating. When comparing rates based on his personal profile, USAA quotes the lowest car insurance rates in Bakersfield at $1,175 a year. This is $476 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 best Bakersfield, CA auto insurance companies.
The next chart shows rates after we give the driver from above some claims, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has a different formula for determining prices, getting updated rate quotes may now result in a completely different list of the cheapest companies as shown below.
Grange now has the best price in Bakersfield, CA with Progressive, Mercury, Allstate, and GEICO also being competitive. This example shows why it is critical to take the time to shop around when trying to find the most economical auto insurance quotes for a Jeep Grand Cherokee. Insurance prices can be determined by many different factors and can change without notice, so the best company the last time you checked may now be one of the higher cost companies.