Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive insurance costs approximately $298 a year, collision insurance costs $558, and liability insurance is $536. A policy with just liability insurance costs around $606 a year, and coverage for high-risk drivers costs $3,450 or more. Teens receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $924
• Raising to $1,000 deductibles will save $1,396 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,592
• Selecting low $100 deductibles will cost an extra $376 a year
• Higher-risk drivers with serious driving violations could pay around $3,450
• The cost for full coverage for a teen driver can cost $6,098

View Chart as Image

Insurance rates for a Jeep Cherokee can also vary considerably based on your driver profile, the model of your Cherokee, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age

Where you live also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Saving money on Jeep Cherokee insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below you'll find a summary of the data raised in the charts and tables above.

• Drivers who purchase more liability protection will pay approximately $590 per year to raise from a minimum limit to 250/500 limits
• You may be able to save around $190 per year just by quoting early and online
• Increasing deductibles can save around $575 each year
• Youthful drivers are the costliest to insure, as much as $508 per month including comprehensive and collision insurance