Jeep Cherokee Insurance Rates

Average insurance prices for a Jeep Cherokee are $1,592 every 12 months including full coverage. Comprehensive costs on average $298 a year, collision insurance costs $558, and liability coverage costs around $536. A liability-only policy costs as low as $606 a year, and high-risk insurance costs around $3,450. Teenage drivers receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

These examples highlight why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $924
• Using higher $1,000 deductibles will save around $1,396 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,592
• Using low $100 deductibles for physical damage coverage increases the price to $1,968
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,450
• The cost to insure a teenage driver may cost $6,098 or more

View Chart as Image

Insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Cherokee.

Using high physical damage deductibles could cut rates by as much as $580 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $6,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheap Jeep Cherokee Insurance

Saving money on auto insurance requires having a decent driving record, having good credit, not filing small claims, and determing if full coverage is necessary. Make time to compare rates every other policy renewal by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers pay the highest rates, as much as $508 per month if they have full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,860 more each year than a driver with a clean driving record
• Increasing deductibles could save as much as $575 each year
• You may be able to save as much as $190 per year just by quoting early and online