Jeep Cherokee Insurance Rates

Average auto insurance rates for a Jeep Cherokee are $1,592 annually including full coverage. Comprehensive insurance costs an estimated $298 each year, collision insurance costs $558, and liability coverage costs around $536. A liability-only policy costs as low as $606 a year, and high-risk insurance costs $3,450 or more. 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:

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical 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 large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

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 estimated rate for a 40-year-old driver who has $500 deductibles is $1,592
• Using low deductibles for physical damage coverage costs an additional $376 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,450
• The cost with full coverage for a teenage 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 the trim level of your Cherokee, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $6,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

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

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 Buy More Affordable Jeep Cherokee Insurance

Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $190 per year just by quoting online in advance
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,860 more annually for auto insurance
• Increasing deductibles could save up to $575 each year
• Teenage drivers are charged the highest rates, as much as $508 per month including comprehensive and collision insurance