Jeep Cherokee Insurance Rates

The average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive costs on average $298 each year, collision insurance costs $558, and liability insurance is estimated at $536. A liability-only policy costs approximately $606 a year, and high-risk insurance costs around $3,450. Teenage drivers cost the most to insure at up to $6,098 a year.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $924
• Choosing higher $1,000 deductibles can save around $196 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,592
• Using low deductibles for comp and collision coverage will cost $1,968
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,450
• Policy cost with full coverage for a teen driver may cost $6,098 each year

View Chart as Image

Car insurance rates for a Jeep Cherokee also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $580 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy More Affordable Jeep Cherokee Insurance

Finding cheaper rates on Jeep Cherokee insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a summary of the data presented in the illustrations above.

• Drivers who require increased levels of liability coverage will pay an extra $590 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers can save as much as $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers age 20 and younger are expensive to insure, costing up to $508 each month if comprehensive and collision insurance is included