Cheap Insurance Quotes for a Jeep Grand Cherokee in Kentucky

Whenever people write about car insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for a Jeep Grand Cherokee does not exist. We’ll try to make it up to you, because we are going to tell you how you can find and buy car insurance that you can afford.

The odds of finding cheap insurance for a Jeep Grand Cherokee in Kentucky hinges on a whole bunch of factors such as whether the vehicle is new, if you have ever let your policy lapse, and if you have a history of accidents. Drivers in Kentucky pay on average $760 annually to insure a Jeep Grand Cherokee, but that amount is an estimate based on a 30-year-old married female driver who needs comprehensive and collision coverage and $1,000 policy deductibles.

Most likely you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe your Grand Cherokee is a different trim level than the example. Just a minor difference in rating criteria or coverage limits can result in a large change in the cost of insurance for a Jeep Grand Cherokee.

Every policy is rated specifically for the driver, so the way we recommend to find cheap insurance prices for your Jeep is to compare as many rates as you can.

Compare Rates and Save

Your Jeep’s trim level tends to have a direct impact on the yearly cost, so the rate you will pay to insure a Grand Cherokee Laredo 2WD model will cost $64 less than the cost to insure the more costly Grand Cherokee SRT-8 4WD trim level, as shown by the rates below.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in garaging location in Kentucky which can increase or decrease auto insurance rates greatly.

Picking a highly-rated car insurance provider can be rather challenging considering how many companies are available to choose from in Kentucky. The ranking information shown below can help you choose which car insurance providers to look at when shopping your coverage around. The ratings below are only comprised of companies that write coverage in many states, so companies that only write business in Kentucky or surrounding areas are not included in the list.

Top 10 Large Car Insurance Companies in Kentucky Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top 10 Large Car Insurance Companies Overall in Kentucky

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Jeep Grand Cherokee Insurance in Kentucky

The illustration below demonstrates how deductible levels can influence insurance costs when searching for cheap insurance for a Jeep Grand Cherokee. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.

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A 30-year-old driver could reduce rates by $362 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could shave up to $770 or more just by choosing higher deductibles.

When using a larger deductible, it will be necessary to have additional funds in a savings account to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Get discounts on Kentucky car insurance rates

Insurers that provide cheap insurance for a Jeep Grand Cherokee in Kentucky may provide rate discounts that could lower prices by as much as 35% or more if you are eligible to receive them. Large insurance companies and their possible discounts can be found below.

• Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, online signing, and online quote discount.
• MetLife offers discounts for multi-policy, defensive driver, good student, good driver, claim-free, and accident-free.
• Mercury Insurance has discounts for professional/association, age of vehicle, low natural disaster claims, anti-theft, annual mileage, location of vehicle, and type of vehicle.
• Nationwide may have discounts that include accident-free, multi-policy, easy pay, anti-theft, defensive driving, family plan, and Farm Bureau membership.
• GEICO includes discounts for emergency military deployment, daytime running lights, multi-vehicle, anti-theft, good student, five-year accident-free, and federal employee.
• AAA has savings for multi-car, multi-policy, good student, good driver, pay-in-full, and AAA membership discount.

The diagram below shows the difference between insurance costs with and without discounts applied. The prices are based on a female driver, no driving violations, no at-fault accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, claim-free, marriage, multiple vehicle, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for a Jeep Grand Cherokee is 28% or $634.

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