Jeep Cherokee Insurance Rates

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

Average premium for full coverage: $1,610

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details average Jeep Cherokee insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $932
• Using higher $1,000 deductibles will save about $202 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,610
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $2,002
• Drivers with serious driving violations could pay at least $3,488
• The price that insures a teen driver with full coverage can be $6,130 or more

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Insurance prices for a Jeep Cherokee are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $6,100 a year. View Rates by Age

The state you live in has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,170 on average in Florida, Michigan, and New York.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Jeep Cherokee Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the primary concepts that were touched on above.

• You may be able to save up to $190 per year just by shopping early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,880 more every year for car insurance
• Increasing physical damage deductibles can save approximately $600 each year
• Teenagers are charged the highest prices, costing up to $511 a month if comprehensive and collision insurance is included