Jeep Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive insurance costs on average $298 a year, collision insurance costs $558, and liability insurance 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 pay the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $924
• Using higher $1,000 deductibles will save around $1,396 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,592
• Using low $100 deductibles for physical damage coverage will cost an extra $376 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,450
• The price for full coverage for a teen driver may cost $6,098 or more

View Chart as Image

Car insurance prices for a Jeep Cherokee are also quite variable based on your driving record, the model of your Cherokee, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $6,000 a year. View Rates by Age

The state you live in has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,270 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $580 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Jeep Cherokee Insurance

Getting lower rates on Jeep Cherokee insurance requires being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a condensed summary of the coverage data covered above.

• You may be able to save as much as $190 per year just by quoting early and online
• Increasing physical damage deductibles can save around $575 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $508 a month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,860 more each year than a safer driver