Jeep Cherokee Insurance Rates

Average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive insurance costs on average $298 each year, collision insurance costs $558, and liability costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs $3,450 or more. Teenage drivers receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

These examples show why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on 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 different risk profiles and scenarios.

• The best discount rate is $924
• Drivers who choose higher $1,000 deductibles will pay around $196 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,592
• Using low deductibles for comprehensive and collision insurance costs an extra $376 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,450
• The cost to insure a 16-year-old driver may cost $6,098 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $580 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $6,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver 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

How to Shop for the Best Jeep Cherokee Insurance

Saving money on insurance for a Jeep Cherokee not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the material that was presented in the illustrations above.

• Insureds who require higher liability limits will pay an extra $590 each year to go from a minimum limit to a 250/500 level
• Teens are charged the highest rates, costing as high as $508 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,860 more each year for Cherokee insurance
• Increasing deductibles could save as much as $575 each year