Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs on average $298, collision insurance costs $558, and liability coverage is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,450. 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:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below shows average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $924
• Raising to $1,000 deductibles will save around $196 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,592
• Buying more expensive low deductibles will increase the cost to $1,968
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,450
• Policy cost for full coverage for a teenage driver with full coverage may cost $6,098

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on your risk profile, the trim level of your Cherokee, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will cost you more. Going 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 could be paying at a minimum $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Best Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief recap of the data that was touched on in the above illustrations.

• Drivers can save as much as $190 per year just by shopping early and online
• Consumers who require more liability coverage will pay around $590 each year to raise from a 30/60 limit to 250/500 limits
• Teen drivers pay higher rates, costing up to $508 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations will pay on average $1,860 more each year to insure their Cherokee