Who Has Affordable Atlanta Auto Insurance for a Jeep Grand Cherokee?

Buying cheaper insurance for a Jeep Grand Cherokee is usually pretty straightforward, but it hinges on a whole bunch of rating criteria such as how old the vehicle is, your occupation, and blemishes on your driving record. Drivers pay on average $1,316 each year to insure their Grand Cherokee, but that amount is a projection using a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.

This brings up the issue that more than likely you may not be 30 years old (or even female), possibly married instead of single, or maybe you live in a different area as the quoted rates. This illustrates why the only real way to find cheap auto insurance rates for your Jeep is to compare as many rates as you can. Do a quick rate comparison now and you can get rates from top-rated car insurance companies around.

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The trim level of your Grand Cherokee will be a contributing factor to the annual cost of coverage, so the price you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $126 cheaper than the cost to insure the more costly Grand Cherokee SRT-8 4WD version, as shown in the table below.

Jeep Grand Cherokee Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $274 $508 $532 $32 $158 $1,504 $125
Grand Cherokee Laredo 4WD $274 $508 $532 $32 $158 $1,504 $125
Grand Cherokee Limited 2WD $310 $598 $532 $32 $158 $1,630 $136
Grand Cherokee Limited 4WD $310 $598 $532 $32 $158 $1,630 $136
Grand Cherokee SRT-8 4WD $310 $598 $532 $32 $158 $1,630 $136
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in vehicle location which can influence premiums considerably.

Finding low-priced auto insurance is not most people’s favorite thing to do, and deciding which companies have the lowest-priced car insurance rates for a Jeep Grand Cherokee requires even more perseverance. Each company uses different criteria to determine rates, so first let’s look at the rankings for the most budget-friendly car insurance companies in Atlanta.

Best Insurance Companies for Your Jeep

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Rankings for the cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $830
2 The Hartford $922
3 USAA $1,008
4 Central Mutual $1,205
5 MetLife $1,238
6 Travelers $1,279
7 Georgia Farm Bureau $1,299
8 State Farm $1,390
9 Mercury $1,397
10 Safeco $1,397
11 Allied $1,424
12 Country $1,433
13 California Casualty $1,561
14 Encompass $1,673
15 Progressive $1,774
16 Nationwide $1,883
17 Liberty Mutual $2,004
18 Allstate $2,202
19 GEICO $2,209
20 Victoria $2,509
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Auto-Owners quotes some of the best car insurance rates in Atlanta at around $830 a year. This is $699 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the cheaper Atlanta, GA auto insurance companies.

In this example, if you are insured with Central Mutual and switched to Auto-Owners, you could earn savings of approximately $375. Customers with MetLife could save as much as $408 a year, and Travelers customers might lower prices by up to $449 a year.

Bear in mind that those policy rates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for a Jeep Grand Cherokee. So the auto insurance company that fits your situation best may not even be in the top 20 companies shown above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.

The illustration below illustrates how your choice of deductibles can impact insurance costs when quoting cheap insurance for a Jeep Grand Cherokee. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

A 50-year-old driver could lower their car insurance rates by $382 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $578 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, can save up to $1,278 each year by selecting a higher deductible. When increasing deductibles, it is a good idea to have enough funds in savings to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

What aren’t you shopping around?

Atlanta car insurance rates are impacted by many things that will increase or decrease the cost of having a policy. Simply getting older, buying a home instead of renting, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being much cheaper than others. Not only may your situation change, but insurers modify pricing every year or even multiple times each year to ensure their profitability. Significantly higher losses can cause higher priced premiums, while better underwriting can cause lower-cost Grand Cherokee insurance rates.

For instance, the data below shows the cheapest car insurance in Atlanta, GA for a 35-year-old female driver with a good driving record, no prior claims, and excellent credit. If we estimate prices based on her personal risk profile, Auto-Owners might quote the best car insurance rates in Atlanta at $1,171 a year. This is $358 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are also on the list of the most affordable Atlanta, GA auto insurance companies.

Now we will pretend the driver from the first set of rates a claim surcharge, a lower credit rating, and a stop sign violation. Due to the fact that each insurance company has their own formula for determining rates, getting updated rate quotes could now result in a slightly different list of the cheapest Atlanta car insurance companies as shown below.

The Hartford now has the best price in Atlanta with Travelers, Safeco, Mercury, and State Farm completing the list. This example illustrates why it is critical to compare rates when trying to find cheap car insurance quotes for a Jeep Grand Cherokee. Insurance prices can be altered by many things and change dramatically, so the most economical option two years ago may now be wasting a lot of money.