Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months including full coverage. Comprehensive insurance costs approximately $298 each year, collision insurance costs $558, and liability costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs $3,450 or more. 16-year-old 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:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $924
• Drivers who choose higher $1,000 deductibles will pay $196 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,592
• Buying low deductibles for comprehensive and collision insurance costs an extra $376 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,450
• Policy cost to insure a teen driver can cost $6,098 a year

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Cherokee.

Opting for high physical damage deductibles could save up to $580 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark 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 likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a recap of the ideas that were covered above.

• Teens are expensive to insure, with premiums being up to $508 each month if they have full coverage
• Higher risk drivers that have major violations or accidents could be charged and average of $1,860 more per year for Cherokee insurance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• You may be able to save around $190 per year just by quoting online in advance