Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive insurance costs around $298 a year, collision insurance costs $558, and liability coverage is $536. Buying just liability costs around $606 a year, and insurance for high-risk drivers costs $3,450 or more. Teens cost the most to insure at up to $6,098 a year.

Average premium for full coverage: $1,592

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $924
• Raising to $1,000 deductibles will save about $1,396 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,592
• Selecting low $100 deductibles will cost an extra $376 each year
• Unlucky drivers with serious driving violations could pay at least $3,450
• Policy cost for full coverage for a teenage driver can be $6,098

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on your risk profile, the trim level of your Cherokee, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $6,000 a year. View Rates by Age

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find Affordable Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of being a good driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief review of the coverage data covered above.

• Drivers can save up to $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers age 16 to 20 pay higher rates, costing up to $508 each month for full coverage
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,860 more every year than a safer driver