Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage insurance. Comprehensive costs an estimated $298 a year, collision insurance costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, and insurance for high-risk drivers costs around $3,450. Teenage 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save approximately $1,396 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,592
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,968
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,450
• The cost for full coverage for a teenage driver can cost as much as $6,098 or more

View Chart as Image

Auto insurance rates for a Jeep Cherokee can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age

Where you live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $580 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Saving money on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a summary of the information covered above.

• It is possible to save approximately $190 per year just by quoting early and online
• Drivers under the age of 20 are the costliest to insure, costing up to $508 per month if they have full coverage
• Increasing deductibles can save around $575 each year
• Drivers who have multiple accidents or major violations pay on average $1,860 more annually to insure a Jeep Cherokee
• Consumers who want increased liability limits will pay an extra $590 annually to increase from a minimum limit to 250/500 limits