Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs around $298 a year, collision insurance costs $558, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage 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 for individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

These examples show why it is important to get quotes for a specific zip code, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows average Jeep Cherokee insurance rates for additional coverage choices and driver risks.

• The best discount rate is $924
• Choosing higher $1,000 deductibles can save about $1,396 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,592
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,968
• Drivers who are prone to accidents and violations could pay at least $3,450
• The cost that insures a teenage driver can be $6,098 each year

View Chart as Image

Car insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $6,000 a year. View Rates by Age

Where you live 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

Using high physical damage deductibles can save as much as $580 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Jeep Cherokee Insurance

Saving money on auto insurance takes avoiding accidents and claims, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the car insurance concepts touched on in this article.

• Drivers that have major violations or accidents pay on average $1,860 more every year to insure a Jeep Cherokee
• Drivers can save up to $190 per year just by quoting early and online
• Increasing deductibles can save approximately $575 each year
• Consumers who may need increased liability limits will pay an extra $590 each year to raise limits from a minimum limit to the 250/500 level