Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive costs an estimated $298 a year, collision insurance costs $558, and liability 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 broken down by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $924
• Using higher $1,000 deductibles will save approximately $1,396 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,592
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,968
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,450
• Policy cost for full coverage for a 16-year-old driver can cost as much as $6,098 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,000 a year. View Rates by Age

Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than average. View High Risk Driver Rates

How to Find the Best Cheap Jeep Cherokee Insurance

Finding cheaper rates on insurance for a Jeep Cherokee requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $190 per year just by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,860 more annually for Cherokee insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teens have the highest car insurance rates, with premiums being up to $508 each month if full coverage is included