Jeep Cherokee Insurance Rates

U.S. average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive costs around $298 a year, collision insurance costs $558, and liability coverage is estimated at $536. Buying just liability costs approximately $606 a year, and insurance for high-risk drivers costs around $3,450. Teens pay the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Price estimates for individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $924
• Choosing higher $1,000 deductibles can save about $1,396 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,592
• Selecting low $100 deductibles for comp and collision coverage will cost $1,968
• Drivers with serious driving violations could pay at least $3,450
• The price with full coverage for a teenage driver can be $6,098 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Cheapest Jeep Cherokee Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the data that was covered in the above illustrations.

• Drivers can save up to $190 per year just by quoting early and online
• Consumers who may need more liability protection will pay approximately $590 each year to raise limits from a low limit to higher 250/500 limits
• Youthful drivers are charged the highest prices, with premiums as much as $508 a month if they have full coverage
• Drivers that have major violations or accidents pay an average of $1,860 more every year than a low-risk driver