Jeep Cherokee Insurance Rates

The average insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage. Comprehensive costs an estimated $308 a year, collision costs $582, and liability coverage is $520. Liability-only coverage costs around $592 a year, with high-risk coverage costing around $3,488. 16-year-old drivers cost the most to insure at $6,130 a year or more.

Average premium for full coverage: $1,610

Policy rates broken down by type of insurance:

Includes $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 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 insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own driving history, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Jeep Cherokee insurance rates for other coverage scenarios.

• The best full coverage rate is $932
• Raising to $1,000 deductibles will save approximately $1,408 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,610
• Buying low $100 deductibles increases the price to $2,002
• Unlucky drivers with multiple tickets or accidents could pay up to $3,488 or more
• Policy cost to insure a teenage driver can cost as much as $6,130

View Chart as Image

Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $600 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied.

How to Shop for the Cheapest Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The following is a recap of the data touched on above.

• Consumers who want higher liability limits will pay around $570 each year to raise from a 30/60 limit to a 250/500 level
• Drivers can save approximately $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teens are expensive to insure, costing up to $511 each month if full coverage is included