Jeep Cherokee Insurance Rates

Estimated insurance rates for a Jeep Cherokee are $1,610 a year for full coverage. Comprehensive insurance costs approximately $308 a year, collision insurance costs $582, and liability coverage costs around $520. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs $3,488 or more. Teenage drivers pay the most at up to $6,130 a year.

Average premium for full coverage: $1,610

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Cherokee trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $932
• Using higher $1,000 deductibles will save $1,408 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,610
• Using low $100 deductibles for physical damage coverage will cost an extra $392 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488
• An auto insurance policy for full coverage for a teenage driver can cost $6,130 or more

View Chart as Image

Insurance prices for a Jeep Cherokee also have a wide range based on your driving characteristics, the trim level of your Cherokee, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,290 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Jeep Cherokee Insurance

Finding better rates on auto insurance requires being safe and accident-free, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the concepts that were touched on above.

• Drivers with DUI or reckless driving convictions may pay on average $1,880 more per year than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $511 per month including comprehensive and collision insurance
• Drivers can save around $190 per year just by quoting early and online
• Increasing policy deductibles can save around $600 each year
• Drivers can save around $190 per year just by quoting early and online