Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive insurance costs an estimated $298 each year, collision insurance costs $558, and liability coverage costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs $3,450 or more. 16-year-old 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:

Rates are based on $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Cherokee models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $924
• Drivers who choose higher $1,000 deductibles will pay approximately $196 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,592
• Buying low deductibles for comprehensive and collision insurance will cost an additional $376 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,450
• The cost that insures a teenage driver can cost as much as $6,098 a year

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Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,000 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 $1,140 a year in states like Utah, Ohio, and New Hampshire, or at least $2,140 on average in New York, Michigan, and Florida.

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Opting for high physical damage deductibles could save up to $580 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Jeep Cherokee Insurance

Saving money on auto insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the material that was covered above.

• Consumers who want increased levels of liability coverage will pay around $590 every year to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums as much as $508 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,860 more annually to buy Jeep Cherokee insurance
• Increasing deductibles can save approximately $575 each year