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

Our content editors always give us grief that when writing about auto insurance, the words cheap or affordable should never be used anywhere in the article as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a Jeep Grand Cherokee is almost non-existent. But fear not, because we can show you some ways you can still get car insurance that you can fit into your budget.

The odds of finding cheap car insurance for a Jeep Grand Cherokee in South Carolina depends upon many different factors such as whether or not your vehicle has good safety ratings, whether you have good credit, and any prior driving offenses. South Carolina drivers pay approximately $1,060 annually to insure a Grand Cherokee, but that cost is an estimation based upon a 40-year-old single female driver that wants full comprehensive and collision coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe your South Carolina zip code is rated cheaper than the example. Just a slight difference in the criteria used to calculate rates can induce significant differences in the policy cost.

Auto insurance is unique to each driver, so the most reliable way to find cheap car insurance rates for your Jeep is to just compare rates yourself. It only takes a couple of minutes and you will be able to compare rates from some of the cheapest companies that insure Jeep vehicles in South Carolina.

Cheapest Jeep Grand Cherokee Insurance Rates

Vehicle trim level will influence the cost of insurance, so the rate you will pay to insure a Grand Cherokee Laredo 2WD trim level will cost $100 less than the price to insure the more well-appointed Grand Cherokee SRT-8 4WD model, as shown by the rates below.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can change auto insurance rates considerably.

Finding affordable insurance is hard enough, and finding out which company has the lowest-priced auto insurance rates for a Jeep Grand Cherokee will require even more work. Each auto insurer uses a little different formula to set premium rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in South Carolina.

It’s a good idea to be aware that South Carolina auto insurance rates are impacted by many things which can substantially change the price of your policy. Things like getting older, buying a safer car, or having an accident can cause premium changes that can make some companies cheaper than competitors.

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The Hartford offers some of the lowest car insurance rates in South Carolina at around $745 annually. USAA, State Auto, Auto-Owners, and Southern Farm Bureau are also some of the lowest-priced South Carolina car insurance companies.

As depicted above, if you are insured with Auto-Owners and switched to USAA, you may see annual savings of roughly $168. Insureds with Southern Farm Bureau could save as much as $263 a year, and SC Farm Bureau Mutual policyholders might reduce rates by $275 a year.

Be aware that those prices are averaged for all drivers and vehicles in South Carolina and and are not figured with a specific rate factor for a Jeep Grand Cherokee. So the company that can offer the best rates for your situation may not even be shown in the chart above. That underscores the importance of why you need to get auto insurance quotes using your own individual information.

Liability rates compared to full coverage

Finding cheap insurance for a Jeep Grand Cherokee in South Carolina is important to most vehicle owners, and one way to buy cheaper insurance is to only pay for liability coverage. The information below shows the difference between premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied.

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If all age groups are averaged, physical damage insurance costs an extra $2,321 per year over and above liability only. That is a big expense that brings up the question if physical damage coverage is worth the money. There is no definitive guideline to exclude comp and collision coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the deductible is paid. If it’s costing in excess of $300 annually for full coverage, then you might want to think about dropping full coverage.

The illustration below illustrates how your choice of deductibles can affect insurance rates when quoting cheap insurance for a Jeep Grand Cherokee. The rates are based on a married male driver, full coverage, and no discounts are applied.

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A 40-year-old driver could reduce rates by $284 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $428 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can save as much as $948 every year by choosing larger deductibles on their policy.

When choosing a higher deductible, it will be necessary to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.