Jeep Cherokee Insurance Rates

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

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $924
• Using higher $1,000 deductibles will save about $1,396 each year
• The average price for a good driver age 40 using $500 deductibles is $1,592
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,968
• Drivers with multiple violations and an at-fault accident could pay at least $3,450
• Policy cost to insure a teen driver can be $6,098 or more

View Chart as Image

Car insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $580 each year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 are probably paying at least $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheap Jeep Cherokee Insurance

Finding cheaper rates on Jeep Cherokee insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the concepts that were covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,860 more every year for Cherokee insurance
• Teens are the costliest to insure, possibly costing $508 each month if the policy includes full coverage
• It is possible to save up to $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• It is possible to save up to $190 per year just by quoting early and online