Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive insurance costs an estimated $308, collision costs $582, and liability insurance costs around $520. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $3,488 or more. Teenage drivers cost the most to insure at $6,130 a year or more.

Average premium for full coverage: $1,610

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision 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 has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on 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 other coverage scenarios.

• The best discount rate is $932
• Using higher $1,000 deductibles will save approximately $202 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,610
• Using more expensive low deductibles for physical damage coverage will cost an additional $392 a year
• Drivers who are prone to accidents and violations could pay up to $3,488 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $6,130 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $6,100 a year. View Rates by Age

Your home state has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,290 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Find the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on Jeep Cherokee insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a recap of the information touched on above.

• You may be able to save approximately $190 per year simply by shopping early and online
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $511 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• High-risk drivers that have major violations or accidents could be charged and average of $1,880 more annually than a driver with a clean driving record
• Drivers who want additional liability coverage will pay an extra $570 per year to increase from a 30/60 limit to the 250/500 level