How Much Does Insurance Cost for a Jeep Grand Cherokee in North Carolina?

We always joke that when we write about car insurance, the words cheap or affordable should never be used anywhere in the article to describe car insurance rates. Nonetheless, cheap car insurance for a Jeep Grand Cherokee does not exist. Don’t let that discourage you, because we will show you how you can still get insurance that you can afford to pay for.

The chances of finding the best cheap insurance for a Jeep Grand Cherokee in North Carolina relies on an enormous amount of factors like whether you are a homeower, whether you have good credit, and if you have any chargeable driving offenses. Drivers in North Carolina will pay on average $810 each year to insure their Grand Cherokee, but that is rating a 40-year-old married female that included comprehensive and collision coverage and $100 deductibles.

But there is a high likelihood that you are not exactly 40 years old and possibly not even female, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Even a very minor difference in the criteria used to calculate rates could result in a significant change in the cost of insuring your Grand Cherokee.

There is no “one size fits all” policy, so the way we recommend to find the cheapest coverage for your Jeep is to compare as many rates as possible. Rate quotes are easy and you will receive price comparisons from top-rated companies that sell coverage in North Carolina.

Click Here to Start Your Quote

Vehicle trim level impacts the cost of insurance, so the price you will be charged to insure a Grand Cherokee Laredo 2WD will be $90 cheaper than the price to insure the higher-end Grand Cherokee SRT-8 4WD trim level, as shown in the chart below.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify insurance rates significantly.

Finding decent, reasonably-priced insurance is tough enough, and deciding which company quotes the most affordable insurance rates for a Jeep Grand Cherokee will require even more diligence. Every auto insurer has a different formula for determining prices, so let’s begin by examining the most budget-friendly insurance companies in North Carolina.

It’s important that readers know that North Carolina insurance rates are based on many factors that can increase the price of coverage. Price variation is why North Carolina drivers need to spend some time comparing rates to find the most budget-friendly car insurance rates for a Jeep Grand Cherokee. Auto insurance prices are impacted by many risk factors and change frequently, so the cheapest company the last time you shopped your coverage around may now be an over-priced policy.

Compare Cheap Insurance Quotes for Your Jeep

Compare Rates and Save

Progressive may have some of the cheapest car insurance rates in North Carolina at around $639 per year. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also rank well as some of the more affordable North Carolina car insurance companies.

As the rates illustrate above, if you currently have a policy with NC Farm Bureau and switched to Utica National, you might achieve a yearly savings of roughly $75. Insureds with Penn National might save as much as $77 a year, and GEICO customers might see rate reductions of $80 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles in North Carolina and are not factoring in a specific rate value for a Jeep Grand Cherokee. So the company that fits your needs best may not even be featured in the above list. That points out the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.

The chart below demonstrates how deductibles can impact insurance prices when getting quotes for cheap insurance for a Jeep Grand Cherokee. The data is based on a married male driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2763,2505,2223,1955],[‘Age 30’, 1457,1321,1165,1013],[‘Age 40’, 1391,1265,1123,987],[‘Age 50’, 1271,1159,1031,905],[‘Age 60’, 1251,1139,1013,891],[‘Age 70’, 1427,1305,1169,1041]]);var options = {title: ‘Impact of Higher Deductibles on Jeep Grand Cherokee Insurance Rates in North Carolina’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Jeep Grand Cherokee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could lower their car insurance rates by $240 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $366 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could save as much as $808 annually just by choosing larger deductibles. If you do decide to increase your deductibles, it is important to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Why are you paying too much for Grand Cherokee insurance?

North Carolina insurance rates are calculated based on many things which can substantially change the cost of your policy. Simply turning a year older, getting married, or having a fender bender may prompt premium changes that can make some companies much cheaper than others. Not only may things change on your end, but insurers modify rates as often as every quarter as an adjustment for underwriting gains or losses. Significantly higher losses can result in rate hikes, while less frequent claims can result in more affordable Grand Cherokee insurance rates.

As an example, the graph below shows the company with the cheapest car insurance in North Carolina for a 40-year-old male driver with no violations or accidents, and good financial standing. When comparing rates based on his current situation, Progressive offers the lowest car insurance rates in North Carolina at $632 annually. This is $240 less than the average price paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and Titan are also on the list of the cheapest North Carolina auto insurance companies.

google.charts.setOnLoadCallback(drawNCWitcqcibChart);function drawNCWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Progressive’, 632, ‘#629100’],[‘Utica National’, 643, ‘#517800’],[‘NC Farm Bureau’, 709, ‘#436400’],[‘Liberty Mutual’, 721, ‘#375300’],[‘Titan’, 737, ‘#2D4500’]]);var options = {title: ‘Best Cheap Auto Insurance for a Jeep Grand Cherokee’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:837,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver in the first chart an accident surcharge, less-than-perfect credit, and a few traffic violations. Since each auto insurer has a unique approach to set policy rates, comparing insurance quotes will most likely result in a slightly different list of cheap North Carolina auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawNCWcqcibChart);function drawNCWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 825, ‘#F58700’],[‘State Farm’, 831.6, ‘#CC7000’],[‘Auto-Owners’, 937.2, ‘#AA5D00’],[‘Utica National’, 964.5, ‘#8D4D00’],[‘National General’, 979, ‘#754000’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1079,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the cheapest rate in North Carolina with State Farm, Auto-Owners, Utica National, and National General now being in the top five. This shows why North Carolina drivers need to compare lots of rates to get the cheapest auto insurance rates for a Jeep Grand Cherokee.

Auto insurance prices can be altered by many factors and can decrease or increase without notice, so the most economical company three years ago may now be priced much higher than other options.

How to find cheap insurance for a Jeep Grand Cherokee in North Carolina

It’s not impossible to find cheaper rates, and here are many thrifty ideas that can help drivers find cheaper car insurance.

• Drop full coverage on older vehicles
• Buying car and homeowners insurance together can save money
• Higher credit scores may earn you cheaper rates
• The safer your car, the less it costs to insure
• Prevent price hikes by avoiding at-fault accidents
• Compare rates once a year for cheaper prices

The final tip is especially vital, as was noted in this article. Prices charged by car insurance companies can be adjusted at any time, so don’t be tentative to switch carriers if you can save money.

Being loyal to a particular company is commendable, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for a Jeep Grand Cherokee.