Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage insurance. Comprehensive costs approximately $298 a year, collision insurance costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, and high-risk driver insurance costs around $3,450. Teenage drivers cost the most to insure at up to $6,098 a year.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save $1,396 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,592
• Using low $100 deductibles for physical damage coverage increases the price to $1,968
• Drivers who are prone to accidents and violations could pay around $3,450
• Policy cost to insure a teen driver can cost $6,098 or more

View Chart as Image

Auto insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the model of your Cherokee.

Using high physical damage deductibles could cut rates by as much as $580 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher 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 excellent drivers will have to pay in the ballpark of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and possibly higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a recap of the data that was presented in the illustrations above.

• It is possible to save around $190 per year just by quoting early and online
• Policyholders who purchase more liability coverage will pay an extra $590 annually to increase from a 30/60 limit to a 250/500 level
• Teen drivers have the highest car insurance rates, possibly costing $508 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may have to pay on average $1,860 more per year to insure their Cherokee