Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive insurance costs an estimated $298 a year, collision insurance costs $558, and liability insurance costs around $536. A policy with just liability insurance costs as low as $606 a year, and coverage for high-risk drivers costs $3,450 or more. Teens 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 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $924
• Using higher $1,000 deductibles will save approximately $1,396 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,592
• Selecting low $100 deductibles for physical damage coverage will cost an extra $376 a year
• Drivers with serious driving violations could pay up to $3,450
• The cost for full coverage for a teen driver can cost as much as $6,098 or more

View Chart as Image

Insurance rates for a Jeep Cherokee can also vary considerably based on your driver profile, the model of your Cherokee, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared 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 $1,220 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Saving money on Jeep Cherokee insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,860 more annually for Cherokee insurance
• You may be able to save approximately $190 per year just by quoting early and online
• Increasing deductibles can save around $575 each year
• Drivers who want higher liability limits will pay approximately $590 per year to increase from a minimum limit to 250/500 limits