Buying the best cheap car insurance for a Jeep Grand Cherokee in Pennsylvania doesn’t take too much effort, but it hinges on a very complex rating algorithm that uses multiple factors such as whether you are married or single, if you are a frequent claim filer, and citations on your driving record. Drivers in Pennsylvania will pay on average $864 a year for Grand Cherokee insurance, but that figure is an estimate calculated based on a 40-year-old married female driver with full coverage and $500 deductibles.
There’s a high likelihood you may not be 40 years old (or even female), you might be single instead of married, or maybe you prefer to not insure for full coverage. Having different needs demonstrates why the only real way to find the cheapest insurance price for your Jeep is to do a thorough rate comparison.
Your vehicle’s trim level will have an impact the cost of insurance, so the price you will be charged to insure a Grand Cherokee Laredo 2WD trim level will be $84 lower than the insurance cost for the more costly Grand Cherokee SRT-8 4WD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $178 | $338 | $346 | $20 | $104 | $986 | $82 |
| Grand Cherokee Laredo 4WD | $178 | $338 | $346 | $20 | $104 | $986 | $82 |
| Grand Cherokee Limited 2WD | $200 | $400 | $346 | $20 | $104 | $1,070 | $89 |
| Grand Cherokee Limited 4WD | $200 | $400 | $346 | $20 | $104 | $1,070 | $89 |
| Grand Cherokee SRT-8 4WD | $200 | $400 | $346 | $20 | $104 | $1,070 | $89 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can modify premiums substantially.
Picking a high-quality car insurance provider can be a challenge considering how many companies are available to choose from in Pennsylvania. The ranking data below could help you decide which car insurance providers you want to consider when comparing rate quotes.
These ratings only include companies with a nationwide focus, so companies that have a smaller presence are not included in this list. To check prices from many more Pennsylvania auto insurance companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
The information below illustrates how choosing a deductible can impact annual premium costs when quoting cheap insurance for a Jeep Grand Cherokee. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could save $312 a year by changing from a $100 deductible to a $500 deductible, or save $472 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save as much as $776 every year just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.
The importance of shopping around
Philadelphia insurance rates are determined by lots of factors that will increase or decrease the price you pay. Improving your credit rating, having a teenage driver, or getting a reckless driving citation can cause premium changes that can now make some companies more affordable than competitors.
In addition, insurance companies change prices as often as every three months in order to remain profitable. Larger than normal claims can result in increased policy costs, while better underwriting may cause cheaper Grand Cherokee insurance rates.
To illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in Philadelphia, PA for a 45-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her current situation, General Casualty offers the cheapest car insurance rates in Philadelphia at $1,734 each year. This is $77 more than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are also on the list of the top five cheapest Philadelphia, PA auto insurance companies.
In this example, we will give the driver from the first rate comparison some claims, poor credit, and a stop sign violation. Because each insurer uses their own calculation to set their prices, comparing prices may result in a new list of the cheapest car insurance companies in Philadelphia as shown below.
Auto-Owners now has the best price in Philadelphia with Atlantic States, Travelers, Donegal Mutual, and GEICO also having competitive pricing. This demonstrates why it is critical to shop around when trying to get affordable insurance quotes for a Jeep Grand Cherokee. Rates are calculated by many things and can change substantially, so the best option when you bought your policy may now cost much more than other companies.
How to find cheaper auto insurance for a Jeep Grand Cherokee
Here are some of the better thrifty solutions that can help drivers quote low-cost car insurance.
- Violations like speeding or DUI increase rates
- On older vehicles, drop full coverage
- Buy vehicles with five-star safety ratings
- Raise your physical damage coverage deductibles
- At-fault accidents will increase rates
- Good credit scores may lower your rates
- Shop around and save
The final tip is extremely critical, as we noted in the article above. Prices charged by companies in Philadelphia can change significantly in a year, so don’t hesitate to buy a policy from a new company if a more affordable rate is found. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that inflexibility results in costing you lots of hard earned cash every month. Take a couple minutes and shop around and find cheaper car insurance for a Jeep Grand Cherokee.