Jeep Cherokee Insurance Rates

U.S. average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage insurance. Comprehensive insurance costs approximately $298 a year, collision insurance costs $558, and liability coverage costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs $3,450 or more. Teenage drivers pay the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Price estimates by individual coverage:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $924
• Drivers who choose higher $1,000 deductibles will pay $1,396 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,592
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $376 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,450
• The price with full coverage for a teenage driver can cost $6,098 a year

View Chart as Image

Insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $580 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Best Cheap Jeep Cherokee Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the ideas that were presented in the illustrations above.

• Teens are expensive to insure, as much as $508 a month including comprehensive and collision insurance
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,860 more per year for Cherokee insurance
• Increasing physical damage deductibles could save up to $575 each year
• It is possible to save around $190 per year just by quoting early and online