Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs approximately $298 a year, collision insurance costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, and insurance for high-risk drivers costs around $3,450. Teens 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:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to compare prices using their specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $924
• Using higher $1,000 deductibles will save $1,396 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,592
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,968
• Higher-risk drivers with serious driving violations could pay around $3,450
• Policy cost that insures a teenage driver can cost $6,098 or more

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on the trim level of your Cherokee, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,000 a year. View Rates by Age

Your home state has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Jeep Cherokee Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every other policy renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

The points below are a brief review of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, costing up to $508 each month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,860 more per year to insure a Jeep Cherokee
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers can save around $190 per year just by quoting early and online