Who Has Cheap Insurance for a Jeep Grand Cherokee in Iowa?

Our staff writers always rib each other than when writing about auto insurance, the words cheap or affordable really should not be used as a descriptor for car insurance rates. Regardless, cheap car insurance for a Jeep Grand Cherokee does not exist. But don’t let that discourage you, because we will show you how you can quote and buy auto insurance that most people can afford.

The odds of finding cheaper coverage for a Jeep Grand Cherokee in Iowa is contingent on many factors such as the amount of driving experience you have, your credit rating, and if you have a clean driving record. Drivers on average will pay $790 each year to buy insurance for a Jeep Grand Cherokee, but that cost is an estimation assuming a 40-year-old married male driver who needs full coverage including both comprehensive and collision and $100 physical damage deductibles.

There is a very good chance that you are not exactly 40 years old and possibly not even male, possibly single instead of married, or maybe you just want liability only. Different coverage needs are the reason why the only way to find affordable rates for your Jeep is to shop your policy around at every renewal. To start saving now, get free quotes and you will be able to compare rates from top-rated car insurance companies around.

Save Now on Grand Cherokee Insurance

Vehicle trim level will likely have an effect on the insurance rate, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $88 lower than the insurance cost for the more costly Grand Cherokee SRT-8 4WD model, as shown by the rates below.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in garaging location in Iowa which can change insurance rates significantly.

Iowa auto insurance companies ranked

Picking a good quality company can be a challenge considering how many companies sell insurance in Iowa. The company ratings below may help you pick which insurers you want to consider comparing price quotes from. These rankings include major nationwide insurance companies, so companies that only write business in Iowa or surrounding areas are not included in the list.

Top 10 Major Auto Insurers Overall in Iowa

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Major Auto Insurers in Iowa Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top Companies for Jeep Grand Cherokee Insurance in Iowa

Careless drivers pay higher rates

In a perfect world, the best way to maintain affordable auto insurance premiums in Iowa for a Grand Cherokee is to be an attentive driver and avoid tickets and accidents. The diagram below illustrates how speeding tickets and at-fault claims drive up insurance costs for different age categories. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

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The data in the chart shows the average cost of car insurance per year with no violations or accidents is $1,456. Add in one speeding ticket and the average cost increases to $1,668, an increase of $213 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Jeep Grand Cherokee goes up to an average of $3,464. That’s an increase of $2,009, or $167 per month, just for not being attentive to the road!

Get discounts on Iowa auto insurance

Insurance providers that provide cheap insurance for a Jeep Grand Cherokee in Iowa may also provide premium discounts that may potentially lower prices by as much as 30% if you are eligible to receive them. A few of the larger companies and a summarized list of policyholder discounts can be found below.

• State Farm may have discounts that include defensive driving training, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, good student, and multiple autos.
• American Family policyholders can earn discounts including early bird, defensive driver, good driver, good student, mySafetyValet, and Steer into Savings.
• GEICO may offer discounts for membership and employees, defensive driver, multi-policy, multi-vehicle, five-year accident-free, military active duty, and daytime running lights.
• 21st Century offers premium reductions for air bags, anti-lock brakes, defensive driver, 55 and older, and theft prevention.
• Progressive has discounts for homeowner, continuous coverage, multi-vehicle, multi-policy, good student, online quote discount, and online signing.

The chart below shows the difference between yearly insurance costs with and without discounts applied to the rates. The data assumes a female driver, no claims, a clean driving record, Iowa state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, claim-free, accident-free, passive restraint, marriage, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Jeep Grand Cherokee is 28% or $445.

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