Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive costs on average $298 a year, collision insurance costs $558, and liability coverage costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage 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 by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own driving history, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $924
• Drivers who choose higher $1,000 deductibles will pay around $1,396 a year
• The average price for a good driver age 40 with $500 deductibles is $1,592
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,968
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,450
• Policy cost to insure a teenage driver may cost $6,098 a year

View Chart as Image

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

Choosing high deductibles could save up to $580 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than average. View High Risk Driver Rates

Your home state makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

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

• Consumers who require additional liability coverage will pay about $590 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save as much as $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $508 each month if full coverage is included