Jeep Cherokee Insurance Rates

The average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive insurance costs on average $298 a year, collision insurance costs $558, and liability costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage costs $3,450 or more. 16-year-old 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $924
• Drivers who choose higher $1,000 deductibles will pay around $1,396 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,592
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $376 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,450
• Policy cost with full coverage for a teen driver may cost $6,098 a year

View Chart as Image

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.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay 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 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $580 every year, while buying higher 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 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Jeep Cherokee Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief review of the material that was covered in the above illustrations.

• Policyholders who require increased liability limits will pay around $590 each year to go from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 pay higher rates, costing up to $508 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,860 more each year to insure a Jeep Cherokee
• Increasing comprehensive and collision deductibles could save up to $575 each year