Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,610 every 12 months with full coverage. Comprehensive costs approximately $308, collision insurance costs $582, and liability coverage is $520. Buying just liability costs around $592 a year, and insurance for high-risk drivers costs around $3,488. Teenage drivers cost the most to insure at up to $6,130 a year.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below details average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

• The best discount rate is $932
• Raising to $1,000 deductibles will save $202 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,610
• Using pricier low deductibles increases the price to $2,002
• Unlucky drivers who are prone to accidents and violations could pay around $3,488
• Policy cost to insure a teenage driver for full coverage can cost $6,130

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Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driving record, and the model of your Cherokee.

Using high physical damage deductibles can reduce rates by up to $600 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,170 on average in New York, Michigan, and Florida.

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How to Shop for Cheap Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct companies, and also from insurance agencies where you live.

Below is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,880 more per year for auto insurance
• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Consumers who purchase higher levels of liability will pay an extra $570 every year to raise from a 30/60 limit to a 250/500 level