Jeep Cherokee Insurance Rates

U.S. average insurance rates for a Jeep Cherokee are $1,614 a year including full coverage. Comprehensive costs on average $320, collision insurance costs $596, and liability costs $498. Buying just liability costs as little as $574 a year, and insurance for high-risk drivers costs around $3,492. Teen drivers pay the highest rates at up to $6,104 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Cherokee trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Jeep Cherokee insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $935
• Drivers who choose higher $1,000 deductibles will pay around $210 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,614
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,018
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,492
• The price that insures a 16-year-old driver with full coverage may cost $6,104 a year

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Insurance prices for a Jeep Cherokee are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,300 on average in Michigan, New York, and Louisiana.

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Choosing high deductibles could save up to $620 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $448 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Jeep Cherokee Insurance

Getting lower rates on insurance for a Jeep Cherokee not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and dropping full coverage on older vehicles. Shop around at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a summary of the data covered in the above illustrations.

• Insureds who require higher liability limits will pay about $550 per year to go from a low limit to the 250/500 level
• You may be able to save as much as $190 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $625 each year
• Teens pay higher prices, possibly costing $509 a month if comprehensive and collision insurance is included