Jeep Cherokee Insurance Rates

The average insurance rates for a Jeep Cherokee are $1,592 a year including full coverage. Comprehensive insurance costs approximately $298 a year, collision costs $558, and liability coverage is $536. Buying just liability costs around $606 a year, with insurance for high-risk drivers costing $3,450 or more. Teens cost the most to insure at $6,098 a year or more.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $924
• Raising to $1,000 deductibles will save $1,396 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,592
• Selecting low $100 deductibles will cost an additional $376 each year
• Unlucky drivers with serious driving violations could pay around $3,450 or more
• Policy cost that insures a teenage driver can cost $6,098

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on the trim level of your Cherokee, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,000 a year. View Rates by Age

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,270 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, so the rates will be varied.

How to Find Cheap Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local auto insurance providers.

Below is a brief summary of the information presented in the illustrations above.

• You may be able to save around $190 per year simply by quoting early and online
• Teenage drivers are expensive to insure, with premiums being up to $508 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers that tend to have accidents or serious violations will likely pay on average $1,860 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay approximately $590 per year to raise from a 30/60 limit to the 250/500 level