Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage. Comprehensive costs on average $298, collision insurance costs $558, and liability costs around $536. Buying just liability costs as low as $606 a year, and insurance for high-risk drivers costs around $3,450. Teenage drivers cost the most to insure at up to $6,098 a year.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The best discount rate is $924
• Using higher $1,000 deductibles will save around $196 a year
• The average price for a good driver age 40 with $500 deductibles is $1,592
• Using more expensive low deductibles for physical damage coverage increases the price to $1,968
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,450
• Policy cost to insure a 16-year-old driver with full coverage may cost $6,098 or more

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Cherokee.

Using high physical damage deductibles could cut rates by as much as $580 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $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 could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheap Jeep Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Cherokee requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct carriers, and also from local independent and exclusive agents.

The points below are a brief summary of the ideas that were touched on in this article.

• Drivers under the age of 20 pay the highest rates, costing up to $508 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,860 more each year to insure a Jeep Cherokee
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers can save as much as $190 per year just by shopping early and online