Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,610 a year with full coverage. Comprehensive costs approximately $308 a year, collision insurance costs $582, and liability is estimated at $520. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs around $3,488. 16-year-old drivers cost the most to insure at up to $6,130 a year.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $932
• Choosing higher $1,000 deductibles can save $1,408 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,610
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $2,002
• Higher-risk drivers with multiple tickets or accidents could pay around $3,488
• Policy cost that insures a 16-year-old driver can cost $6,130 each year

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on the trim level of your Cherokee, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Cherokee insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or at least $2,170 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Cherokee takes being safe and accident-free, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at least every other year by getting quotes from direct companies, and also from local insurance agencies.

Below you'll find a recap of the car insurance concepts illustrated above.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,880 more per year than a low-risk driver
• You may be able to save around $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Insureds who purchase more liability protection will pay around $570 every year to raise limits from a 30/60 limit to the 250/500 level