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Best Cheap Insurance for a Jeep Grand Cherokee in West Virginia

Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2019

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Since we’re writing about car insurance, the words “cheap” or “affordable” shouldn’t be used as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Jeep Grand Cherokee can be extremely hard to find. Don’t let that ruin your day, because we will teach you how you can find and buy car insurance that is cheaper than your current policy.

The chances that you’ll find cheaper auto insurance for a Jeep Grand Cherokee in West Virginia is dependent upon a large number of rating criteria like whether you use your Grand Cherokee for business use, whether or not you are currently insured, and any prior driving offenses. Drivers pay around $970 every 12 months for Grand Cherokee insurance, but that policy rate is using rating data for a 50-year-old married male that has full comprehensive and collision coverage and $250 policy deductibles.

But there is a high probability that you’re not a 50-year-old male, possibly single instead of married, or maybe you need higher liability limits than the state minimum. Just a very minor change in rating factors can cause large differences in rates.

This illustrates why the way we recommend to find cheap car insurance rates for your Jeep is to put in the effort to do a thorough rate comparison. Get a free quote now and you can get prices from some of the best insurers that insure Jeep vehicles in West Virginia.

Enter your zip code below to view companies that have cheap auto insurance rates.

The specific model of Grand Cherokee will most likely have an effect on price, so the cost to insure a Grand Cherokee Laredo 2WD trim level will be $102 less than the cost to insure the more expensive Grand Cherokee SRT-8 4WD version, as shown by the rates below.

Jeep Grand Cherokee Insurance Rates in West Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Cherokee Laredo 2WD $222 $406 $352 $20 $106 $1,106 $92
Grand Cherokee Laredo 4WD $222 $406 $352 $20 $106 $1,106 $92
Grand Cherokee Limited 2WD $250 $480 $352 $20 $106 $1,208 $101
Grand Cherokee Limited 4WD $250 $480 $352 $20 $106 $1,208 $101
Grand Cherokee SRT-8 4WD $250 $480 $352 $20 $106 $1,208 $101
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in West Virginia location which can alter premiums noticeably.

Finding cost effective insurance is not the easiest thing to do, and finding out which company quotes the most affordable insurance rates for a Jeep Grand Cherokee will involve additional perseverance. Each insurance company has a unique approach to determine premium rates, so let’s begin by examining the most competitive insurance companies in West Virginia.

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Cheapest auto insurance in West Virginia ranked by cost per year
Rank Company Cost Per Year
1 Erie $913
2 The Hartford $1,029
3 State Auto $1,253
4 Westfield $1,262
5 USAA $1,326
6 Progressive $1,479
7 State Farm $1,493
8 Nationwide $1,598
9 Encompass $1,636
10 GEICO $1,744
11 Safeco $1,767
12 Motorists Mutual $1,786
13 California Casualty $1,842
14 Allstate $2,253
15 Liberty Mutual $3,275
16 Sentry $3,806
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Erie quotes some of the lowest car insurance rates in West Virginia at around $913 each year. The Hartford, State Auto, Westfield, and USAA would also be considered some of the more affordable West Virginia insurance companies.

In the above rates, if you currently have coverage with Westfield and switched to Erie, you might achieve a yearly price reduction of approximately $349. Drivers with USAA may save as much as $413 a year, and Progressive insureds might reduce rates by $566 a year.

To find the best cheap insurance for a Jeep Grand Cherokee in West Virginia for your vehicle, click here to begin a quote or visit any of the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those estimates are averages for all types of insureds and vehicles and are not factoring in a specific rate value for a Jeep Grand Cherokee. So the auto insurance company that is most affordable for your situation may not even be shown in the list of companies shown earlier. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Insurance rates are higher with tickets and accidents

A great way to receive low insurance premiums in West Virginia for a Grand Cherokee is to be a cautious driver and not get tickets or have accidents. The information below demonstrates how speeding tickets and accident claims increase insurance costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

The data in the chart shows the average cost of a car insurance policy in West Virginia per year with a clean driving record and no accidents is $1,887. Factor in one speeding ticket and the average cost hikes up to $2,165, an increase of $279 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for a Jeep Grand Cherokee increases to an average of $2,955. That’s an increase of $1,069, or $89 per month, just for not paying attention while driving!

Which auto insurance company is best?

If you’re looking for the best car insurance, the first places to look would be State Farm, Progressive, Allstate, and Geico. When combined, they insure 48.5% of all policies written. The next table illustrates price and claims rank as well as some different options shoppers can find with each company.

Comparison of Top Four U.S. Car Insurance Companies
State Farm Progressive Allstate Geico
Claims Service 2nd 4th 1st 3rd
Number of Discounts 3rd 4th 1st 2nd
Customer Satisfaction 4th 3rd 2nd 1st
Overall Price 2nd 3rd 4th 1st
Usage-based insurance Yes Yes Yes No
Roadside assistance Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
Mechnical breakdown No Yes No Yes
Uber and Lyft insurance Yes Yes Yes Yes
New car replacement coverage No No Yes No
Offered in West Virginia Yes Yes Yes Yes
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