Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive costs on average $298 each year, collision insurance costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers 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:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $924
• Drivers who choose higher $1,000 deductibles will pay around $196 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,592
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,968
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,450
• The cost that insures a teenage driver may cost $6,098 a year

View Chart as Image

Auto insurance rates for a Jeep Cherokee can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $6,000 a year. View Rates by Age

Where you live makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $580 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Jeep Cherokee Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $190 per year just by quoting online in advance
• Drivers with a DUI or reckless driving violation pay on average $1,860 more each year for car insurance
• Increasing deductibles can save approximately $575 each year
• Teenagers are charged the highest rates, with premiums as much as $508 per month if the policy includes full coverage