Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Seattle?

Buying cheaper car insurance for a Jeep Grand Cherokee depends on a complicated rating formula that uses factors such as your gender, your credit score, and any past driving violations you may have had. Drivers pay approximately $682 per year to insure their Grand Cherokee, but that price is an estimation based on a 30-year-old married male driver with full coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and maybe not even a male, you might be single instead of married, and you may just want the cheapest liability coverage you can find. Just a very minor change in policy rating criteria or coverages can make a large difference in the cost of insurance.

Everone’s needs are different, and this illustrates why the way we recommend to find cheap auto insurance rates for your Jeep is to just take the time to compare rates yourself.

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Your vehicle’s trim level will be a contributing factor to price, so the rate you pay to insure a Grand Cherokee Laredo 2WD model will be $60 less expensive the cost to insure the more well-appointed Grand Cherokee SRT-8 4WD trim level, as shown in the prices below.

Jeep Grand Cherokee Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $140 $242 $294 $18 $88 $782 $65
Grand Cherokee Laredo 4WD $140 $242 $294 $18 $88 $782 $65
Grand Cherokee Limited 2WD $158 $284 $294 $18 $88 $842 $70
Grand Cherokee Limited 4WD $158 $284 $294 $18 $88 $842 $70
Grand Cherokee SRT-8 4WD $158 $284 $294 $18 $88 $842 $70
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in Seattle which can affect premiums considerably.

Choosing the right car insurance provider can be difficult considering how many choices there are in Washington. The ranking information listed below may help you analyze which car insurance companies you want to consider when comparing insurance rates for a Jeep Grand Cherokee.

These rankings only include companies that insure vehicles across America, so companies that focus mainly on Washington business are not included in these rankings. To compare prices from the insurers below and more, click here.

Seattle, WA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability only rates

Reducing premiums for car insurance should be important to the majority of drivers, and one great way to pay lower rates for insurance for a Jeep Grand Cherokee is to only buy liability coverage. The diagram below compares insurance rates when comparing full coverage to liability only. The premium estimates are based on no violations or claims, $100 deductibles, single marital status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, physical damage coverage costs $2,009 per year more than buying just liability insurance. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no set rule of when to drop full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $11,000 after the deductible is paid. If it’s costing you more than $1,100 a year for full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Are you paying too much for car insurance?

Seattle, WA car insurance rates are based on many factors that can increase the cost of a policy. Simply turning a year older, moving to a different location, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper than competitors.

Not only may your situation change, but auto insurance companies file new Washington car insurance rates without warning to adjust for unexpected claims or profits. A period of higher than normal claims may result in more expensive premiums, while a profitable period may produce cheaper Grand Cherokee insurance rates.

The graph below shows which companies have the cheapest car insurance in Seattle, WA for a 30-year-old male driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on his personal risk profile, Capital may offer the most affordable car insurance rates in Seattle at $1,099 per year. This is $313 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the remainder of the cheapest Seattle, WA auto insurance companies.

Let’s now give the driver from the first example some claims, a lower credit score, and a traffic citation. Due to the fact that each insurance company has a proprietary method to determining premium rates, analyzing rates most likely will result in a completely different list of companies as shown below.

USAA now has the best price on car insurance in Seattle with The Hartford, California Casualty, Allied, and Chubb now rounding out the top five. This example illustrates why it is important to perform a complete rate comparison when trying to get the cheapest car insurance quotes for a Jeep Grand Cherokee.

Car insurance prices are impacted by many factors and change frequently, so the lowest-price company the last time you checked may now be one of the higher cost companies.