Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,610 a year with full coverage. Comprehensive costs approximately $308 each year, collision insurance costs $582, and liability is estimated at $520. Buying just liability costs approximately $592 a year, and insurance for high-risk drivers costs around $3,488. Teens 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 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

The examples above demonstrate why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $932
• Choosing higher $1,000 deductibles can save $202 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,610
• Selecting low deductibles for comp and collision coverage will increase the cost to $2,002
• Higher-risk drivers with serious driving violations could pay around $3,488
• Policy cost for full coverage for a 16-year-old driver can cost $6,130 each year

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Cherokee insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,170 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 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 may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 132% more than the average policy. View High Risk Driver Rates

How to Find Cheap Jeep Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Cherokee takes avoiding accidents and violations, maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the coverage data touched on above.

• You may be able to save around $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Teenagers are expensive to insure, as much as $511 each month for full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,880 more per year for car insurance