How Much is Car Insurance for a Jeep Grand Cherokee in Cincinnati?

Buying the best cheap coverage for a Jeep Grand Cherokee doesn’t take a ton of time, but it is dependent upon many rating factors such as how far you drive to work, the likelihood of vehicle theft, and physical damage deductibles. Drivers in Ohio pay on average $468 annually to insure their Grand Cherokee, but that figure is an approximation based on a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 50 years old or even a male, single instead of married, or maybe your Grand Cherokee doesn’t need full coverage. This example demonstrates why the only real way to find affordable rates for your Jeep is to just compare rates yourself. To cut your rates now, get a free quote and you will get price quotes from the best companies that insure Jeep vehicles in Ohio.

View Jeep Grand Cherokee Insurance Rates

Vehicle trim level will be a contributing factor to price, so the price you will pay to insure a Grand Cherokee Laredo 2WD model will be $40 lower than the cost to insure the fancier Grand Cherokee SRT-8 4WD model, as shown in the table below.

Jeep Grand Cherokee Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $84 $158 $218 $12 $66 $538 $45
Grand Cherokee Laredo 4WD $84 $158 $218 $12 $66 $538 $45
Grand Cherokee Limited 2WD $96 $186 $218 $12 $66 $578 $48
Grand Cherokee Limited 4WD $96 $186 $218 $12 $66 $578 $48
Grand Cherokee SRT-8 4WD $96 $186 $218 $12 $66 $578 $48
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can increase or decrease premiums considerably.

What is the best insurance company in Cincinnati?

Picking a good quality auto insurance company is difficult considering how many companies are available to choose from in Cincinnati. The company rank data in the lists below may help you decide which auto insurers to look at when comparing auto insurance rates for a Jeep Grand Cherokee. These rankings are only made up of companies that insure vehicles across America, so companies without a large exposure are not included in this list.

Best Ten Insurance Companies for a Jeep Grand Cherokee in Cincinnati
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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Data Source: Best Car Insurance Companies

Full coverage versus liability-only in Cincinnati

Saving money when shopping for insurance should be important to the majority of people, and one common way to find cheap insurance for a Jeep Grand Cherokee is to not pay for full coverage. The chart below visualizes the comparison of insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

On average, physical damage coverage on your policy costs an extra $1,376 per year over having just liability coverage. At some point, almost every driver questions when is the right time to remove full coverage. There is no specific rule to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

Drive safe and save

A great way to maintain affordable insurance rates in Cincinnati for a Grand Cherokee is to drive safely and avoid accidents and traffic citations. The diagram below demonstrates how speeding tickets and accidents influence auto insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,194. Get written up for one speeding ticket and the average cost rises to $1,388, an increase of $194 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Jeep Grand Cherokee jumps again to an average of $3,017. That’s an increase of $1,823, or $152 per month, just for being a less-than-perfect driver!

How to find more affordable auto insurance for a Jeep Grand Cherokee

The list below summarizes a few penny-pinching suggestions that can help Ohio drivers find cheap car insurance.

That last idea is particularly valuable, as was noted in the article above. Car insurance rates in Cincinnati can change in a short period of time, so don’t be tentative to change insurance companies if a more affordable rate is found.

Brand loyalty is great, but it’s not a great idea if your bullheadedness ends up costing you a lot of money every month. It only takes a couple minutes to shop around and find cheaper auto insurance for a Jeep Grand Cherokee.

If you aren’t sure which coverage to buy and prefer to have a consultation when buying car insurance for a Grand Cherokee, the professional agents shown below can most likely aid you in deciding which coverages you need. To find a Cincinnati insurance agency close to where you live, click the link at the bottom.

View map of Cincinnati, OH insurance agents