Jeep Cherokee Insurance Rates

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

Average premium for full coverage: $1,592

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Cherokee models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save about $196 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,592
• Using low deductibles for physical damage coverage will cost an extra $376 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,450
• The price for full coverage for a teenage driver can be $6,098 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $6,000 a year. View Rates by Age

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 $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $580 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 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

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a summary of the material that was raised in the charts and tables above.

• Consumers who may need higher liability limits will pay an extra $590 per year to increase from a low limit to 250/500 limits
• Teenagers are the costliest to insure, possibly costing $508 a month if full coverage is included
• Drivers who have multiple accidents or major violations pay on average $1,860 more every year for car insurance
• Increasing physical damage deductibles can save around $575 each year