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Who Has the Cheapest Insurance Quotes for a Jeep Grand Cherokee in Connecticut?

Enter your Connecticut 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 12, 2019

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Since we’re writing about auto insurance, the word cheap shouldn’t be used anywhere to describe car insurance rates. Regardless, cheap car insurance for a Jeep Grand Cherokee is not always easy to find. But don’t despair, because we will show you how you can find and buy auto insurance that won’t break your budget.

Jeep Grand Cherokee insuranceFinding cheap insurance for a Jeep Grand Cherokee in Connecticut is contingent on a large number of rating criteria like annual vehicle mileage, your profession, and your choice of deductibles. Drivers in Connecticut pay an average of $980 every 12 months to buy Jeep Grand Cherokee insurance, but that is an estimation based on cost data for a 50-year-old married female that purchased full comprehensive and collision coverage and $100 policy deductibles.

It’s highly likely that you are not 50 years old and maybe not even female, possibly single instead of married, and you may just want the cheapest liability coverage you can find. Having the smallest difference in policy rating criteria or coverages can cause large differences in the policy cost.

Auto insurance requires individual risk assessment, so your best chance at finding the most affordable coverage for your Jeep is to just compare rates yourself. It’s really quite easy you can get prices from some of the most affordable companies that offer coverage in Connecticut.

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

The trim level of your vehicle will most likely have an effect on the yearly cost, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $110 lower than the insurance cost for the more costly Grand Cherokee SRT-8 4WD trim level, as demonstrated by the prices below.

Jeep Grand Cherokee Insurance Rates in Connecticut
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $228 $444 $324 $20 $98 $1,114 $93
Grand Cherokee Laredo 4WD $228 $444 $324 $20 $98 $1,114 $93
Grand Cherokee Limited 2WD $258 $524 $324 $20 $98 $1,224 $102
Grand Cherokee Limited 4WD $258 $524 $324 $20 $98 $1,224 $102
Grand Cherokee SRT-8 4WD $258 $524 $324 $20 $98 $1,224 $102
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in zip code location which can impact rates considerably.

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Shopping around for low-cost auto insurance is easier said than done, and finding out which companies have the cheapest car insurance rates for a Jeep Grand Cherokee involves a little more work. Every insurance provider has a proprietary method for establishing rates, so let’s begin by examining the car insurance companies with the overall best prices in Connecticut.

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

Who has the cheapest car insurance in Connecticut?
Rank Company Cost Per Year
1 Utica National $965
2 Travelers $1,125
3 Amica $1,257
4 USAA $1,258
5 Nationwide $1,425
6 Unitrin $1,534
7 State Farm $1,559
8 MetLife $1,612
9 California Casualty $1,664
10 General Casualty $1,687
11 Safeco $1,845
12 Progressive $1,887
13 GEICO $1,938
14 Middlesex $2,033
15 Encompass $2,279
16 Electric $2,376
17 Victoria $2,444
18 Liberty Mutual $2,647
19 Foremost $3,165
20 Allstate $3,411
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Utica National generally has some of the best car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also qualify as some of the cheaper Connecticut insurance companies.

As illustrated above, if you currently have a policy with USAA and switched to Travelers, you might achieve savings of roughly $133. Policyholders with Nationwide might save as much as $300 a year, and Unitrin customers might lower prices by $409 a year.

To compare your rates to other Connecticut insurance companies, click here to start your custom quote or quote prices from the following companies.

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

Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Jeep Grand Cherokee. So the auto insurance company that fits your age and vehicle best may not even be shown in the list of companies shown earlier. That’s why you need to get quotes using your own specific driver and vehicle information.

Get discount Connecticut car insurance rates

Discounts on car insurance for a Jeep Grand CherokeeInsurance companies that offer the cheapest insurance for a Jeep Grand Cherokee in Connecticut may also offer premium discounts that can reduce rates by as much as 25% or more if you are eligible. Popular car insurance companies and some of the discounts are included below.

Auto Insurance Discounts for Popular Insurance Companies
Discount Geico Progressive State Farm Allstate
Bundled policies Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No
Theft prevention Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes
Passive restraint Yes No Yes Yes
New vehicle No No Yes Yes
Safe driver Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes
Active duty military Yes Yes Yes No
Affinity/occupation Yes No No No
Full payment Yes Yes No Yes
Auto-pay Yes Yes No Yes
Loyalty No Yes Yes No
Good grades Yes Yes Yes Yes
Distant student No Yes Yes Yes
Own a home No Yes No No
Seat belt usage Yes No No No
Compare Prices Now Go

The diagram below visualizes the comparison of auto insurance rates with and without policy discounts. The premiums are based on a male driver, no violations or accidents, Connecticut state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, accident-free, multiple vehicle, marriage, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Jeep Grand Cherokee is 17% or $265.

Does full coverage make sense?

Finding the cheapest insurance for a Jeep Grand Cherokee in Connecticut is probably important to most vehicle owners, and one good way to find cheap insurance is to not buy comprehensive and collision coverage. The illustration below compares insurance premiums with and without full coverage. The data is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

As an overall average, physical damage coverage on your policy costs an additional $2,147 per year more than just buying liability insurance. A very common question is if paying for full coverage is worth it. There is no definitive rule to stop buying physical damage coverage, but there is a general 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.

For example, let’s pretend your vehicle’s book value is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,500 after paying your policy deductible. If it’s costing in excess of $750 annually for comprehensive and collision coverage, then you might consider buying liability only.

Find the cheapest insurance for a Jeep Grand Cherokee in Connecticut

The list below summarizes some of the better thrifty solutions that can help Connecticut drivers find lower-cost auto insurance.

  • Improve your credit rating
  • Maintain a clean driving record
  • Raise deductibles
  • Bundle car and home insurance and save money
  • Do not get into accidents
  • Avoid filing small claims
  • Look for cheaper rates once a year by shopping around

That final tip is extremely valuable, as was pointed out in the article above. Coverage prices can change in a short period of time, so don’t be afraid to switch companies if a better rate can be found.

Having brand loyalty is commendable, but it’s not recommended if that devotion results in you overpaying big bucks every year. It only takes a couple minutes to compare rates to find cheaper insurance for a Jeep Grand Cherokee.Who has the ceapest insurance for a Jeep Grand Cherokee in CT?

Free Auto Insurance Comparison

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

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