Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage. Comprehensive insurance costs around $308, collision insurance costs $582, and liability coverage costs $520. A policy with just liability insurance costs as little as $592 a year, and coverage for high-risk drivers costs $3,488 or more. Teenage drivers receive the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Rate estimates for individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows average Jeep Cherokee insurance rates for additional coverage choices and driver risks.

• The best discount rate is $932
• Drivers who choose higher $1,000 deductibles will pay about $202 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,610
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $392 each year
• High-risk insureds who are prone to accidents and violations could pay at least $3,488
• The cost for full coverage for a teenage driver with full coverage can be $6,130 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you live makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,290 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $600 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Jeep Cherokee Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below is a quick review of the car insurance concepts presented in the illustrations above.

• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,880 more every year for auto insurance
• Drivers can save up to $190 per year just by shopping early and online
• Increasing deductibles can save around $600 each year
• Consumers who may need higher levels of liability will pay an extra $570 each year to go from a minimum limit to 250/500 limits