Best Car Insurance for Jeep Grand Cherokee Laredo 2022

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Best insurance for Jeep Grand Cherokee Laredo

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 32% per year insuring their Jeep Grand Cherokee Laredo when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Jeep Grand Cherokee Laredo drivers after switching with Jerry.
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
April 9, 202229645SCGray-CourtJanie G.35Safeco$4,200$1,017
March 28, 202212019NYBallston-LakeLula H.39Safeco$1,795$1,391
April 7, 202237385TNTellico-PlainsAlex R.24Bristol West$1,278$760
April 11, 202271854ARTexarkanaHarold V.28Safeco$1,308$733
April 9, 202270433LACovingtonJordan G.47National General$3,744$1,357
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Jeep Grand Cherokee Laredo

The average annual cost to insure a Jeep Grand Cherokee Laredo is $2,463, which is $134 lower than the average annual cost to insure Jeeps. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Jeep Grand Cherokee Laredo

While the mandatory liability coverage will be the cheapest option to insure your Grand Cherokee Laredo, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Jeep Grand Cherokee Laredo

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Jeep Grand Cherokee Laredo will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Jeep Grand Cherokee Laredo than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Jeep Grand Cherokee Laredo:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$3,004$654
21-24$3,067$1,051
25-34$2,579$829
35-44$2,384$755
45-54$2,320$715
55-64$2,114$734
65+$2,154$530

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Jeep Grand Cherokee Laredo will be lower for an older car. These are real quotes Jerry has found for drivers of a Jeep Grand Cherokee Laredo based on model year:
Model year
Average Cost
Annual Savings with Jerry
2021$2,729$738
2020$2,807$734
2019$3,158$1,054
2018$3,378$1,011
2017$3,539$1,294
2016$2,734$664
2015$2,987$845
2014$2,458$664
2013$2,462$753
2012$3,143$975

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Jeep Grand Cherokee Laredo with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Safe Auto
$3,088$1,530
Metlife$2,580$1,127
Kemper$2,493$913
Electric$2,503$900
Infinity$2,517$899
Assurance America$2,487$896
Clearcover$2,488$893
Commonwealth Insurance$2,055$862
State Auto$2,470$850
Gainsco$2,040$698

Trim levels and vehicle materials

The Jeep Grand Cherokee Laredo comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Jeep Grand Cherokee Laredo.

How can I save money when insuring my Jeep Grand Cherokee Laredo

You want to look after your car, but you don’t want to pay too much—that makes sense. Luckily, we’ve put together a few tips on how to cut costs when insuring your Grand Cherokee Laredo.

Comparison shop

Comparison shopping is the best way to save money on car insurance. Usually, that would mean filling out a ton of forms, making copious phone calls, and spending hours talking to agents.
But with Jerry, it doesn’t have to be that complicated. If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even can assist you in canceling your old policy!
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.

Opt for a lower trim level

Though it might be tempting to move up to a higher trim level, it won’t be pretty for your insurance costs. The basic elements of a car are easy and relatively inexpensive to fix. The more complex additions that come with higher trim levels, such as custom interior trim, are harder to replace, and therefore more expensive to insure.
Going basic on the Jeep Grand Cherokee Laredo saves you money—and you’re still getting a well-equipped car, anyway.

Skip the extra features

While the Grand Cherokee Laredo is rather limited on the features that can be added, there are always some add ons that look a little tempting. Whether it’s a sunroof, chunkier tires, or a fancy audio system, there are some extras that might add that little bit of flash to your car.
Though they might make your life a little bit more convenient, or feel nicer, extra tech is where the real costs are. Some soundsystems even require their own packages! You can cut costs on insurance by saving on the extras.

Invest in anti-theft and safety features

Better safety features tend to minimize the likelihood of a collision. And insurers might be inclined to give you a discount if your car is equipped with the facilities to avoid a major accident.
The Grand Cherokee features some class leading safety. Available equipment on the base model includes:
  • Anti-lock brakes
  • Blind spot monitoring
  • Traction control
  • Automated emergency braking
  • Lane-departure warning
  • Rear park assist
Buyers can also enjoy a standard anti theft system that detects unauthorized entry and prevents the car from starting when the wrong key is used.

Keep a clean record

This is perhaps the easiest way of keeping your insurance costs down—all you have to do is prove that you’re a safe driver! This means as few tickets and violations as possible.
The more reliable you are, the lower your premiums will be. Keep your record clean, and your rates could shrink significantly.

Look for discounts

Insurance companies offer tons of discounts these days. Some of the most common discounts include bundling policies or multiple vehicles, not making any claims, paying your premium upfront, and switching to paperless billing.
Remember, not all insurance companies advertise every discount—so it never hurts to ask.

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