Jeep Cherokee Insurance Rates

Average insurance rates for a Jeep Cherokee are $1,614 a year for full coverage. Comprehensive insurance costs on average $320 a year, collision insurance costs $596, and liability costs $498. A liability-only policy costs as little as $574 a year, and high-risk insurance costs $3,492 or more. Teenage drivers receive the highest rates at up to $6,104 a year.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Cherokee trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $935
• Drivers who choose higher $1,000 deductibles will pay around $1,404 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,614
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $404 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,492
• The cost for full coverage for a teen driver may cost $6,104 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 policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age

Where you live makes a big difference in Jeep Cherokee insurance prices. 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 $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $620 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $448 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Jeep Cherokee Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to compare rates at least every other year by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Below is a summary of the car insurance concepts covered above.

• Higher risk drivers who have multiple accidents or major violations will pay on average $1,880 more each year for auto insurance
• Drivers can save as much as $190 per year just by quoting early and online
• Increasing deductibles can save around $625 each year
• Policyholders who require higher levels of liability will pay an extra $550 each year to go from a minimum limit to 250/500 limits