Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage insurance. Comprehensive costs on average $298 a year, collision insurance costs $558, and liability insurance is estimated at $536. A liability-only policy costs approximately $606 a year, and high-risk insurance costs around $3,450. Teen drivers 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below illustrates average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $924
• Choosing higher $1,000 deductibles can save around $1,396 each year
• The average price for a good driver age 40 with $500 deductibles is $1,592
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,968
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,450
• Policy cost to insure a teen driver may cost $6,098 each year

View Chart as Image

Car insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Cherokee.

Choosing high deductibles can save as much as $580 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 133% more than average. View High Risk Driver Rates

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 $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheap Jeep Cherokee Insurance

Finding cheaper rates on Jeep Cherokee insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.

The list below is a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations pay on average $1,860 more each year for car insurance
• It is possible to save as much as $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers who require higher liability limits will pay about $590 annually to raise limits from a 30/60 limit to a 250/500 level