Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,610 a year with full coverage. Comprehensive insurance costs on average $308 a year, collision insurance costs $582, and liability costs around $520. Liability-only coverage costs as low as $592 a year, and high-risk coverage costs $3,488 or more. Teenage 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:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location, instead of using average rates.

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

Additional Rate Information

The chart below details average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $932
• Using higher $1,000 deductibles will save around $1,408 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,610
• Using low $100 deductibles for physical damage coverage will cost an additional $392 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,488
• Policy cost that insures a teen driver may cost $6,130 or more

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 policy deductibles and limits.

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

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

Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,170 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 every year, while buying higher liability limits will cost you more. 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 Cheap Jeep Cherokee Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following list is a brief summary of the ideas that were illustrated above.

• Drivers age 16 to 20 pay higher rates, as much as $511 each month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,880 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save as much as $190 per year just by quoting early and online