Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs around $298 a year, collision insurance costs $558, and liability costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver 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 for type of insurance:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $924
• Drivers who choose higher $1,000 deductibles will pay about $1,396 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,592
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,968
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,450
• Policy cost that insures a teen driver can be $6,098 a year

View Chart as Image

Auto insurance rates for a Jeep Cherokee also range considerably based on the trim level of your Cherokee, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $6,000 a year. View Rates by Age

Your home state makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $580 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Jeep Cherokee Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around once a year by requesting rates from direct carriers, and also from several local insurance agents.

The next list is a review of the data that was covered in the above illustrations.

• Drivers can save up to $190 per year just by quoting early and online
• Policyholders who may need increased levels of liability coverage will pay about $590 each year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $508 each month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,860 more every year to buy Jeep Cherokee insurance