Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive insurance costs on average $298 a year, collision insurance costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance costs $3,450 or more. Teens 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:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. 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 driving history, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $924
• Drivers who choose higher $1,000 deductibles will pay around $1,396 a year
• The average price for a good driver age 40 with $500 deductibles is $1,592
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $376 annually
• Drivers with serious driving violations could pay upwards of $3,450
• Policy cost to insure a 16-year-old driver may cost $6,098 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $580 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers 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 were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than the average policy. View High Risk Driver Rates

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 have to pay at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Jeep Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Cherokee not only requires avoiding accidents and claims, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The points below are a quick review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,860 more each year to insure a Jeep Cherokee
• Drivers can save as much as $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Insureds who require increased liability limits will pay approximately $590 each year to go from a 30/60 limit to a 250/500 level