Jeep Cherokee Insurance Rates

Average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive insurance costs an estimated $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 $3,450 or more. Teen drivers receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples show why it is important to compare prices for a targeted area and their own driving history, rather than using price averages.

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

More Rate Information

The chart below shows average Jeep Cherokee insurance rates for other coverage scenarios.

• The lowest rate with discounts is $924
• Using higher $1,000 deductibles will save approximately $1,396 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,592
• Choosing low $100 deductibles for physical damage coverage costs an extra $376 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,450
• The cost to insure a teenage driver can cost as much as $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 driver profile, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $580 a year, while buying higher liability limits will increase premiums. Going 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 highest for teen drivers, since even excellent drivers can expect to pay at least $6,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $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 average. 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 $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Jeep Cherokee Insurance

Saving money on auto insurance requires being a good driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the material that was covered in the above illustrations.

• Consumers who want an increased level of liability coverage will pay about $590 each year to increase from a minimum limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing as high as $508 per month if they have full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,860 more annually than a safer driver
• Increasing deductibles could save as much as $575 each year