Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive costs an estimated $298 a year, collision insurance costs $558, and liability 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 broken down by type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Analysis

The chart below details average Jeep Cherokee insurance rates for other coverage scenarios.

• The lowest rate with discounts is $924
• Choosing higher $1,000 deductibles can save approximately $1,396 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,592
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,968
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,450
• Policy cost for full coverage for a teen driver can cost as much as $6,098 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Cherokee insurance prices. A good driver about age 40 could pay as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than average. View High Risk Driver Rates

How to Find Low Cost Jeep Cherokee Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the primary concepts that were illustrated above.

• You may be able to save approximately $190 per year just by quoting early and online
• Higher risk drivers who have several accidents or serious violations may pay on average $1,860 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers age 16 to 20 have the highest car insurance rates, as much as $508 each month if full coverage is included