Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive costs an estimated $308 each year, collision insurance costs $582, and liability coverage is estimated at $520. Buying just liability costs approximately $592 a year, and insurance for high-risk drivers costs around $3,488. Teenage drivers cost the most to insure at up to $6,130 a year.

Average premium for full coverage: $1,610

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below illustrates average Jeep Cherokee insurance rates for other coverage scenarios.

• The best discount rate is $932
• Choosing higher $1,000 deductibles can save approximately $202 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,610
• Using low deductibles for comp and collision coverage will increase the cost to $2,002
• Drivers who are prone to accidents and violations could pay up to $3,488
• Policy cost for full coverage for a teenage driver can cost as much as $6,130 each year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $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 at least $6,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $600 a year, whereas increasing liability limits will increase premiums. Switching 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 are probably paying $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Jeep Cherokee Insurance

Finding cheaper rates on auto insurance takes being a good driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a review of the car insurance concepts covered in the above illustrations.

• Drivers who have several accidents or serious violations pay on average $1,880 more annually than a safer driver
• It is possible to save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Consumers who want an increased level of liability coverage will pay an extra $570 annually to raise limits from a 30/60 limit to 250/500 limits