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Cheapest Insurance Quotes for a Jeep Grand Cherokee in Illinois

Enter your Illinois zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 11, 2019

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Whether or not you can find cheaper auto insurance for a Jeep Grand Cherokee in Illinois is dependent upon things like the number of years you have been licensed, if you have maintained coverage continuously, and any prior driving offenses. Drivers in Illinois pay on average $830 per year to insure their Grand Cherokee, but that rate is an estimate using rating data for a 40-year-old married male driver that has full comprehensive and collision coverage and $100 deductibles.

There is a high probability that you are not a 40-year-old male, single instead of married, or maybe you have a teenager that needs to be on your policy. Each driver has unique rating factors, so the most reliable way to find the most affordable coverage for your Jeep is to make a habit of comparing rates at every renewal. Quotes only take a few minutes and you will get price quotes from the cheapest companies available.

Enter your zip code below to view companies that have cheap auto insurance rates.

The trim level of your Grand Cherokee tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $92 less expensive the insurance cost for the more costly Grand Cherokee SRT-8 4WD model, as shown in the prices below.

Jeep Grand Cherokee Insurance Rates in Illinois
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $204 $374 $268 $16 $80 $942 $79
Grand Cherokee Laredo 4WD $204 $374 $268 $16 $80 $942 $79
Grand Cherokee Limited 2WD $230 $440 $268 $16 $80 $1,034 $86
Grand Cherokee Limited 4WD $230 $440 $268 $16 $80 $1,034 $86
Grand Cherokee SRT-8 4WD $230 $440 $268 $16 $80 $1,034 $86
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific zip code location which can raise or lower coverage prices greatly.

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Figuring out which companies have the best auto insurance rates for a Jeep Grand Cherokee will involve more time in order to find the lowest price quote. Every insurance company has their own unique process for establishing rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Illinois.

It’s a good idea to know that Illinois auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. Simply improving your credit, having a teenage driver, or having an at-fault accident can trigger changes in premium that can make some companies cheaper in comparison to the competition.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest insurance companies in Illinois
Rank Company Cost Per Year
1 The Hartford $776
2 Rockford Mutual $838
3 Titan $878
4 Cincinnati Insurance $897
5 Erie $914
6 Utica National $946
7 USAA $959
8 SECURA $965
9 Travelers $981
10 State Farm $982
11 Auto-Owners $1,053
12 Safeco $1,063
13 GEICO $1,085
14 Amica $1,087
15 Farmers $1,146
16 Esurance $1,197
17 Progressive $1,206
18 California Casualty $1,209
19 MetLife $1,220
20 State Auto $1,236
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The Hartford may have some of the best car insurance rates in Illinois at around $776 per year. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also rank well as some of the best Illinois insurance companies.

In the above example, if you currently have a policy with Titan and switched to The Hartford, you may see yearly savings of upwards of $102. Illinois drivers with Cincinnati Insurance could save as much as $121 a year, and Erie insureds might cut rates by $138 a year.

If you would like to find the cheapest insurance for a Jeep Grand Cherokee in Illinois, click here to begin a quote or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

These premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Jeep Grand Cherokee. So the company that has the cheapest price for you may not even be included in the chart above. That is why you need to quote rates from many companies using your own personal information and vehicle type.

The illustration below illustrates how your choice of deductibles can raise or lower insurance rates when searching for cheap insurance for a Jeep Grand Cherokee. The premiums assume a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 50-year-old driver could lower their car insurance rates by $248 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $374 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices up to $616 or even more by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Full coverage versus liability-only in Illinois

Finding the cheapest insurance for a Jeep Grand Cherokee in Illinois is the goal of the majority of drivers, and one easy way to lower the cost of insurance is to not buy full coverage. The diagram below compares yearly insurance costs with and without full coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $1,392 per year over and above liability only. That is a significant amount which raises the question if buying full coverage is a good investment. There is no exact rule of when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

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

The list below details some money-saving suggestions that can help drivers buy more affordable coverage.

  • Pay cheaper rates with good credit scores
  • Avoid at-fault accidents and claims
  • Buy your homeowners policy from the same company as your auto insurance
  • Do not insure for full coverage
  • Buy a vehicle with excellent safety ratings
  • Look for cheaper rates once a year by shopping around

The last item on the list is very crucial, as was noted in the prior information. Auto insurance prices in Illinois can change in a short period of time, so don’t be unwilling to change insurance companies if a better rate can be found.

Having a favorite company is great, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over several years. If you have a few minutes, compare rates to find cheaper auto insurance for a Jeep Grand Cherokee.

Allstate vs State Farm vs Progressive vs Geico

When researching auto insurance, some of the first companies to look at are Allstate, State Farm, Progressive, and Geico. The next table shows price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.

Comparison of Allstate, State Farm, Progressive, and Geico
Allstate State Farm Progressive Geico
Claims Service 1st 2nd 4th 3rd
Overall Price 4th 2nd 3rd 1st
Discounts Available 1st 3rd 4th 2nd
Overall Satisfaction 2nd 4th 3rd 1st
Rating from A.M. Best A+ A++ A+ A++
S&P financial rating AA- AA AA AA+
Usage-based rating Yes Yes Yes No
Roadside assistance Yes Yes Yes Yes
New car replacement insurance Yes No No No
Uber and Lyft insurance Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Mechnical breakdown No No Yes Yes
Insure in Illinois Yes Yes Yes Yes
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