Jeep Cherokee Insurance Rates

Estimated auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $558, and liability coverage costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance costs $3,450 or more. 16-year-old drivers pay the most at up to $6,098 a year.

Average premium for full coverage: $1,592

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Cherokee models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.

These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $924
• Drivers who choose higher $1,000 deductibles will pay about $196 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,592
• Buying low deductibles for comprehensive and collision insurance costs an additional $376 each year
• High-risk insureds with multiple tickets or accidents could pay at least $3,450
• An auto insurance policy with full coverage for a teenage driver can be $6,098 a year

View Chart as Image

Auto insurance prices for a Jeep Cherokee also have a wide range based on the model of your Cherokee, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $6,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $580 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live 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 at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Jeep Cherokee Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at least once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

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

• Drivers can save up to $190 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions pay an average of $1,860 more every year for car insurance
• Increasing policy deductibles could save up to $575 each year
• Teenagers are expensive to insure, as much as $508 per month if full coverage is included