Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive insurance costs an estimated $298 each year, collision insurance costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, and high-risk driver 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 broken down by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Cherokee models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save approximately $196 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,592
• Using low deductibles for physical damage coverage will cost an extra $376 every year
• Drivers who are prone to accidents and violations could pay up to $3,450
• Policy cost for full coverage for a teen driver can cost as much as $6,098 or more

View Chart as Image

Auto 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.

More mature drivers with a good driving record and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age

Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $580 every year, whereas increasing 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 year. 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 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was covered in the charts and tables above.

• Policyholders who want more liability protection will pay an extra $590 every year to increase from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, as much as $508 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,860 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year