Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive insurance costs approximately $298, collision costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing $3,450 or more. Teenage drivers cost the most to insure at $6,098 a year or more.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save $196 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,592
• Using more expensive low deductibles for physical damage coverage will cost an extra $376 every year
• Drivers who are prone to accidents and violations could pay around $3,450 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $6,098 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared 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 prices. A driver around age 40 might see rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $580 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each 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 likely paying anywhere from $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the information touched on in the above illustrations.

• You may be able to save around $190 per year simply by shopping early and online
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $508 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,860 more per year to insure a Jeep Cherokee
• Policyholders who purchase increased liability limits will pay an extra $590 per year to increase from a 30/60 limit to 250/500 limits