Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months including full coverage. Comprehensive costs approximately $298 a year, collision insurance costs $558, and liability coverage is $536. Buying just liability costs around $606 a year, and insurance for high-risk drivers costs around $3,450. Teen 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:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Analysis

The chart below breaks down average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $924
• Raising to $1,000 deductibles will save $1,396 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,592
• Choosing low $100 deductibles increases the price to $1,968
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,450
• Policy cost to insure a teenage driver can cost $6,098

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Cherokee.

Choosing high deductibles can reduce rates by up to $580 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark 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 are likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the material that was presented in the illustrations above.

• Consumers who purchase more liability coverage will pay about $590 per year to raise from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $508 each month if they have full coverage
• Drivers with multiple at-fault accidents could be charged and average of $1,860 more per year to insure their Cherokee
• Increasing comprehensive and collision deductibles could save as much as $575 each year