Jeep Cherokee Insurance Rates

Average insurance prices for a Jeep Cherokee are $1,592 every 12 months including full coverage. Comprehensive costs an estimated $298 each year, collision insurance costs $558, and liability insurance costs around $536. A policy with just liability insurance costs as low as $606 a year, and coverage for high-risk drivers costs around $3,450. Teenage drivers receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

These examples highlight why all drivers should compare prices for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down average Jeep Cherokee insurance rates for other coverage scenarios.

• The best discount rate is $924
• Using higher $1,000 deductibles will save approximately $196 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,592
• Using low deductibles for physical damage coverage increases the price to $1,968
• Drivers who are prone to accidents and violations could pay up to $3,450
• The cost to insure a teen driver can cost as much as $6,098 or more

View Chart as Image

Insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $580 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $6,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Best Jeep Cherokee Insurance

Saving money on Jeep Cherokee insurance requires having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the data presented in the illustrations above.

• Drivers who want additional liability coverage will pay an extra $590 per year to increase from a minimum limit to a 250/500 level
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing deductibles could save as much as $575 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $508 per month if full coverage is included