Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage insurance. Comprehensive insurance costs approximately $298 each year, collision insurance costs $558, and liability coverage costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance costs $3,450 or more. Teenage 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, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Details

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 $196 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,592
• Using low deductibles for comprehensive and collision insurance will cost an additional $376 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,450
• Policy cost that insures a teenage driver can cost $6,098 a year

View Chart as Image

Car insurance rates for a Jeep Cherokee also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,000 a year. View Rates by Age

Your home state 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

Using high physical damage deductibles could save up to $580 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheap Jeep Cherokee Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers pay the highest auto insurance rates, possibly costing $508 each month if full coverage is purchased
• Drivers that tend to have accidents or serious violations could be charged and average of $1,860 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• It is possible to save around $190 per year just by quoting online in advance