Jeep Cherokee Insurance Rates

U.S. average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive insurance costs approximately $298 a year, collision insurance costs $558, and liability insurance costs around $536. Liability-only insurance costs as low as $606 a year, and high-risk driver insurance costs $3,450 or more. 16-year-old drivers pay the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Price estimates by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The ranges above show why it is important to compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $924
• Using higher $1,000 deductibles will save $1,396 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,592
• Buying low $100 deductibles for physical damage coverage costs an extra $376 a year
• Drivers with multiple tickets or accidents could pay around $3,450
• The price to insure a teen driver can cost $6,098 or more

View Chart as Image

Car insurance prices for a Jeep Cherokee are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Cherokee.

Opting for high physical damage deductibles could cut prices by as much as $580 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Iowa, Maine, and Idaho, or at least $2,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Low Cost Jeep Cherokee Insurance

Getting lower rates on Jeep Cherokee insurance requires being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Invest time comparing rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,860 more per year to insure their Cherokee
• Drivers can save around $190 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $575 each year
• Drivers who purchase more liability coverage will pay around $590 each year to increase from a low limit to a 250/500 level