Finding economical coverage for a Jeep Grand Cherokee in Wisconsin is normally pretty easy, but it hinges on a whole bunch of factors such as whether you use your Grand Cherokee for business use, the size of your vehicle, and citations on your driving record. Drivers will pay around $474 per year for Grand Cherokee insurance, but that is an approximation calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you aren’t exactly 50 years old or even a male, you might be single instead of married, or maybe you just want different deductibles. There is no perfect policy for every driver, so the way we recommend to find affordable rates for your Jeep is to do the rate comparisons yourself. It only takes a few minutes and you will get price quotes from top-rated car insurance companies that offer coverage in Wisconsin.
The trim level of your vehicle tends to have a direct impact on the cost of coverage, so the price you will pay to insure a Grand Cherokee Laredo 2WD trim level will be $38 cheaper than the insurance cost for the higher-end Grand Cherokee SRT-8 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $86 | $160 | $220 | $14 | $66 | $546 | $46 |
| Grand Cherokee Laredo 4WD | $86 | $160 | $220 | $14 | $66 | $546 | $46 |
| Grand Cherokee Limited 2WD | $96 | $188 | $220 | $14 | $66 | $584 | $49 |
| Grand Cherokee Limited 4WD | $96 | $188 | $220 | $14 | $66 | $584 | $49 |
| Grand Cherokee SRT-8 4WD | $96 | $188 | $220 | $14 | $66 | $584 | $49 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in zip code location which can lower or raise coverage prices noticeably.
Selecting a highly-rated auto insurance company is difficult considering how many companies are available to choose from in Madison. The ranking information shown below may help you pick which insurers you want to consider comparing rate quotes with.
The rankings below are only made up of large, nationwide insurance companies, so companies that may only write in Wisconsin are not included in these rankings. If you’d like to compare prices from these companies and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
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Data Source: Insure.com Best Car Insurance Companies
Careless driving habits raise auto insurance rates
A great way to get the best auto insurance prices for a Grand Cherokee is to drive safe and avoid accidents and traffic citations. The information below illustrates how violations and at-fault accidents raise car insurance rates for different insured age categories. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of car insurance in Madison per year with no accidents and a clean driving record is $1,172. Add in two speeding tickets and the average cost hikes up to $1,563, an increase of $391 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Jeep Grand Cherokee jumps again to an average of $3,133. That’s an increase of $1,961, or $163 per month, just for not driving carefully!
You are probably paying too much for Grand Cherokee insurance
Madison, WI auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply having another birthday, buying higher coverage limits, or getting a few speeding tickets can trigger rate changes resulting in some rates now being more affordable than others.
Not only that, but car insurance companies change rates as often as every three months to adjust for heavy claims or excess profits. A period of higher than normal claims may result in more expensive prices, while a better claims history can cause lower-cost Grand Cherokee insurance rates.
For instance, the chart below shows which companies have the cheapest car insurance in Madison, WI for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. If we look at prices based on his current situation, USAA quotes the best car insurance rates in Madison at $654 annually. This is $507 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual are the remaining most affordable Madison, WI auto insurance companies.
The chart below compares rates after we give the driver from the first example an accident claim, poor credit, and a couple of points charged on his driving record. Since every car insurance company has their own unique process for establishing rates, comparing quotes may now present a slightly different list of the cheapest Madison car insurance companies as shown below.
Nationwide now has the best auto insurance rate in Madison, WI with Integrity Mutual, Western National, Travelers, and West Bend Mutual also having competitive pricing. This demonstrates why Wisconsin drivers need to compare many different companies to find the most affordable insurance quotes for a Jeep Grand Cherokee. Auto insurance prices consist of many factors and change substantially, so the best price the last time you shopped your coverage around may now be quite expensive.
The agents below are a good start to aid you in deciding which policy is best, as lots of people like to get some help when trying to find the best insurance rates for a Jeep Grand Cherokee. It’s not always simple to find the cheapest rate yourself, and a professional agent can provide comfort knowing your coverage gives you sufficient coverage at claim time.
To find a Madison insurance agency using an interactive map, click the button below the list.
Affiliated Insurance-Wisconsin
3830 Atwood Ave – Madison, WI 53714 – (608) 273-3361
Cheng Vang – State Farm Insurance Agent
2110 N Sherman Ave – Madison, WI 53704 – (608) 661-5700
Universal Insurance Agency Corporation
6709 Raymond Rd – Madison, WI 53719 – (608) 216-7060
American Family Insurance – Ed Flynn
514 Grand Canyon Dr – Madison, WI 53719 – (608) 833-1717
View map of Madison, WI insurance agents
Tips to find the cheapest insurance for a Jeep Grand Cherokee
It’s not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help Madison drivers quote lower-cost car insurance.
- Good credit can help you save money
- Do not get into accidents that are your fault
- Keep your driving record clean
- Raise deductibles
- Vehicles with safetly features generally cost less to insure
- Compare price quotes at least once a year
The last idea is incredibly significant, as we hit on in this piece. Coverage prices fluctuate constantly, so don’t hesitate to buy from a new company if a better deal can be had.
Loyalty to a specific company is fine, but it’s not recommended if that loyalty ends up costing a lot of money every month. If you have a few minutes, shop around to find cheaper car insurance for a Jeep Grand Cherokee in Madison.