Jeep Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive costs approximately $308 a year, collision insurance costs $582, and liability costs $520. A policy with just liability insurance costs as little as $592 a year, and coverage for high-risk drivers costs around $3,488. Teenage drivers pay the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $932
• Drivers who choose higher $1,000 deductibles will pay $1,408 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,610
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,002
• Drivers who are prone to accidents and violations could pay around $3,488
• The price for full coverage for a 16-year-old driver can cost $6,130 a year

View Chart as Image

Insurance prices for a Jeep Cherokee are also quite variable based on your driving record, the model of your Cherokee, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay 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 save up to $600 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Jeep Cherokee Insurance

Getting lower rates on insurance for a Jeep Cherokee not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a recap of the coverage data presented in the illustrations above.

• You may be able to save around $190 per year just by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Teen drivers are expensive to insure, possibly costing $511 a month for full coverage
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,880 more per year to insure their Cherokee