How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale?

See How Much You Could Save

Jeep Grand Cherokee insurance rates
Jeep Grand Cherokee insurance rates image courtesy of

Buying the cheapest coverage for a Jeep Grand Cherokee in Arizona depends on a large number of factors such as whether you are male or female, your geographic location, and driving citations. Drivers in Arizona pay on average $706 annually to insure their Grand Cherokee, but that cost is an approximation using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.

If we were betting, you may not be 50 years old (or even male), possibly single instead of married, or maybe you want more liability coverage than is required by law in Arizona. Each driver's needs are different, and that demonstrates why the best method for finding affordable rates for your Jeep is to do the rate comparisons yourself.

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Your vehicle's trim level will likely have an effect on the coverage cost, so the price you pay to insure a Grand Cherokee Laredo 2WD trim level will be $68 cheaper than the cost to insure the more expensive Grand Cherokee SRT-8 4WD version, as shown below.

Jeep Grand Cherokee Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $146 $268 $288 $18 $86 $806 $67
Grand Cherokee Laredo 4WD $146 $268 $288 $18 $86 $806 $67
Grand Cherokee Limited 2WD $166 $316 $288 $18 $86 $874 $73
Grand Cherokee Limited 4WD $166 $316 $288 $18 $86 $874 $73
Grand Cherokee SRT-8 4WD $166 $316 $288 $18 $86 $874 $73
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower premiums greatly.

Buying coverage from a highly-rated auto insurance company is hard considering how many companies there are in Arizona. The ranking information listed below can help you choose which car insurance companies to look at when comparing rate quotes. The ratings below only include large insurance companies, so smaller companies will not be included in this list.

Top Ten Insurance Companies for a Jeep Grand Cherokee in Scottsdale, AZ
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
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Best Car Insurance Companies

Does it make sense to buy full coverage?

Saving money when shopping for insurance is probably important to the majority of drivers, and one common way to reduce the cost of insurance for a Jeep Grand Cherokee is to only pay for liability coverage. The information below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

If averaged for all ages, full coverage on your policy costs $1,491 per year over and above liability only. Many of you may wonder if buying full coverage is worth the expense. There is no definitive guideline of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

Get discounts on Scottsdale car insurance

Insurance for a Grand Cherokee in Scottsdale, AZAuto insurance companies that provide policies for a Jeep Grand Cherokee may also provide special discounts that could lower prices by as much as 30% if you qualify. Companies and some of the premium reductions they offer are shown below.

The example below illustrates the difference between auto insurance costs with and without discounts applied. The information is based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, vehicle safety, claim-free, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Jeep Grand Cherokee is 28% or $476.

How to find the cheapest auto insurance for a Jeep Grand Cherokee

Below you'll find some of the better penny-pinching suggestions that can help drivers locate cheap coverage.

The last suggestion is especially crucial, as was stressed in the article above. Prices charged by auto insurers in Scottsdale vary considerably, so don't be hesitant to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if your bullheadedness ends up costing you a fortune every year. Take a few minutes and shop around and find cheaper car insurance for a Jeep Grand Cherokee.

The auto insurance agents in Scottsdale shown below can probably aid you in deciding which insurance coverage you need, as some drivers have questions and prefer to get help from a professional when trying to find lower insurance rates for a Grand Cherokee. It can be challenging to find the cheapest car insurance policy, so getting advice from a licensed agent can bring comfort knowing you have adequate asset protection.

To find a Scottsdale insurance agent nearest to you, click the button link following the list.

Diemer Insurance Agency Inc
16050 N 76th St - Scottsdale, AZ 85260 - (480) 264-2854

Matt Funicello - State Farm Insurance Agent
8102 E McDowell Rd #1b - Scottsdale, AZ 85257 - (480) 994-4304

Athena Olson - State Farm Insurance Agent
8170 N 86th Pl #105 - Scottsdale, AZ 85258 - (480) 398-1266

View map of Scottsdale, AZ insurance agents