Jeep Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive costs approximately $298 a year, collision insurance costs $558, and liability coverage is estimated at $536. A policy with just liability insurance costs approximately $606 a year, and coverage for high-risk drivers costs around $3,450. 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:

Rates are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, rather than using average rates.

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

More Rate Information

The chart below details average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

• The best discount rate is $924
• Choosing higher $1,000 deductibles can save $1,396 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,592
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,968
• Drivers who are prone to accidents and violations could pay around $3,450
• The price for full coverage for a teenage driver can cost $6,098 each year

View Chart as Image

Insurance prices for a Jeep Cherokee are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,000 a year. View Rates by Age

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 $1,140 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $580 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

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

How to Find the Best Cheap Jeep Cherokee Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following is a quick review of the material that was illustrated above.

• Consumers who purchase higher liability limits will pay an extra $590 every year to raise limits from a low limit to 250/500 limits
• Teens are expensive to insure, costing up to $508 a month for full coverage
• Drivers with a DUI or reckless driving violation pay on average $1,860 more per year for Cherokee insurance
• Increasing physical damage deductibles can save around $575 each year