Cheapest Insurance Quotes for a Jeep Grand Cherokee in Maryland
Enter your Maryland zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 16, 2019
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The odds of finding cheap insurance for a Jeep Grand Cherokee in Maryland depends upon a whole bunch of factors like if you are single or married, the likelihood of vehicle theft, and your choice of physical damage deductibles. Drivers on average will pay $930 every 12 months to insure a Jeep Grand Cherokee, but that amount is a valuation based on cost data for a 40-year-old married female driver who purchased full comprehensive and collision coverage and $1,000 policy deductibles.
The problem with using this number is the good chance you’re not a 40-year-old female, maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Maryland. Car insurance prices are based on the driver profile your best chance at finding cheap car insurance rates for your Jeep is to quote often and with as many companies as possible.
Your vehicle’s trim level has an effect on the cost of coverage, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $80 less than the insurance cost for the fancier Grand Cherokee SRT-8 4WD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Cherokee Laredo 2WD||$166||$326||$426||$26||$128||$1,072||$89|
|Grand Cherokee Laredo 4WD||$166||$326||$426||$26||$128||$1,072||$89|
|Grand Cherokee Limited 2WD||$188||$384||$426||$26||$128||$1,152||$96|
|Grand Cherokee Limited 4WD||$188||$384||$426||$26||$128||$1,152||$96|
|Grand Cherokee SRT-8 4WD||$188||$384||$426||$26||$128||$1,152||$96|
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in Maryland location which can increase or decrease price quotes considerably.
Deciphering which insurers offer the best car insurance rates for a Jeep Grand Cherokee will take more time in order to find the lowest price.
Each insurance company uses their own formula to set their prices, so let’s look at the rankings for the car insurance companies that tend to be cheaper in Maryland. It’s a good idea to know that Maryland car insurance rates are based on many factors that will increase or decrease the cost of having a policy. Simply getting older, moving across town, or getting a speeding ticket can trigger changes in premium that can now make some companies more affordable than others.
|Rank||Company||Cost Per Year|
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USAA normally has some of the cheapest car insurance rates in Maryland at around $958 each year. Penn National, Liberty Mutual, Erie, and State Auto would also make the list of some of the cheapest Maryland insurance companies.
As depicted above, if you are insured with Erie and switched to USAA, you may realize a yearly savings of around $169. Insureds with State Auto may save as much as $220 a year, and Amica policyholders might reduce rates by $350 a year.
Bear in mind that those policy rates are averages across all drivers and vehicles in Maryland and and are not figured with a specific rate factor for a Jeep Grand Cherokee. So the insurer that can offer you the lowest price may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own driver data and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Cautious drivers save money
The common sense way to earn the cheapest insurance for a Jeep Grand Cherokee in Maryland is to drive carefully and avoid traffic citations and accidents. The diagram below highlights how traffic violations and at-fault collisions can drive up insurance prices for different age groups. The premiums assume a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of a car insurance policy in Maryland per year with a clean driving record and no accidents is $2,747. Add in two speeding tickets and the average cost swells to $3,651, an increase of $904 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Jeep Grand Cherokee goes up to an average of $6,847. That’s an increase of $4,100, or $342 per month, just for not driving attentively!
Discounts on the cheapest insurance for a Jeep Grand Cherokee in Maryland
Car insurance companies that offer cheap quotes for a Jeep Grand Cherokee may provide price discounts that can reduce rates by 25% or more if you meet the requirements. The best car insurance companies and their offered discounts include:
|Discount||Allstate||State Farm||Geico||Progressive||Nationwide||Farmers||Liberty Mutual|
|Defensive driving course||Yes||Yes||Yes||Yes||Yes||Yes||No|
|Pay in full||Yes||No||Yes||Yes||Yes||Yes||Yes|
|Student at college||Yes||Yes||No||Yes||Yes||Yes||Yes|
|Own a home||No||No||No||Yes||No||Yes||No|
|Use seat belts||No||No||Yes||No||No||No||No|
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The diagram below visualizes the comparison of insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with defensive driving course, marriage, homeowner, vehicle safety, multiple policy, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average yearly reduction on car insurance for a Jeep Grand Cherokee is % or $.
Find the cheapest insurance for a Jeep Grand Cherokee in Maryland
It is possible to find better rates, and here are some penny-pinching solutions that can help Maryland drivers buy low-cost car insurance.
- Accident-free drivers may qualify for discounts
- Frequent claims may make car insurance unaffordable
- Do not get traffic violations
- Insure your home and auto with the same company
- Good credit can help you save money
- Increase physical damage deductibles
- Compare quotes from other companies often
The last item on the list is very necessary, as was emphasized in the article above. Auto insurance rates adjust often, so don’t be unwilling to buy from a different company if a better deal can be had.
Many drivers prefer to stick with one company, but we do not recommend it if that faithfulness ends up costing you potentially thousands of dollars a year. It takes less than five minutes to compare prices to find cheaper auto insurance for a Jeep Grand Cherokee.
Is Geico, Progressive, State Farm, or Allstate cheaper?
If you are shopping around for insurance for a Grand Cherokee in Maryland, four companies to consider are Geico, Progressive, State Farm, and Allstate. Between them, they insure nearly half of all auto insurance policies in force. All of them offer physical damage and liability coverage, but each has different features and discounts that shoppers can choose from. The following table illustrates some of the different options and features offered by each one.
|U.S. market share||11.4%||8.8%||18.3%||10%|
|Mechanical breakdown insurance||Yes||Yes||No||No|
|New car replacement coverage||No||No||No||Yes|
|Types of agents used||Both online and from Geico agents||Indpendent agents or online||State Farm-only agents||Allstate exclusive agents|
|Number of agents||150+||30,000+||18,000+||11,000+|
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