Cherokee Insurance

Finding the best and lowest premiums

Jeep Cherokee Insurance

The Jeep Cherokee has come a long way since it's inception in 1984. The popular SUV was redesigned in 2014 while maintaining its reputation as a solid off-road vehicle. If you're considering purchasing a Jeep Cherokee for its turbocharged engine and ability to tackle unpaved roads, it's important to first understand how to best insure it. An independent insurance agent makes sure you're getting the best car insurance for your Jeep at the best value.

What Kind of Insurance Do You Need for Your Jeep Cherokee? 

Your car insurance is designed to protect you from all risks you face behind the wheel. There are a variety of car insurance options available and every state requires different coverage. Your insurance agent can help you determine the exact insurance you need.

Bodily injury liability

Most states will require a minimum amount of liability coverage. This insurance covers any associated costs from an accident where you're at fault and the other party is injured. Liability insurance will pay for everything from medical care costs to lost wages. 

Property damage liability

While liability insurance will pay for any injuries to a person you're in an accident with, property damage liability will pay for any damage you cause to someone's vehicle, building, or home. If you're at fault, your liability policy will pay to replace or repair the damage. 

Typically, property damage liability also has a minimum requirement in most states. It's also a smart idea to purchase more than the minimum amount required by law. If you were to be in an accident and cause damage that exceeds your liability amounts you'll be responsible to pay out of pocket. Fortunately, your insurance agent can help you determine how much insurance you need.

Medical payments/Personal injury protection

Liability insurance is great for paying for injuries or damage you may cause to a third-party, but who is going to pay for you if you're injured? Personal injury protection (PIP) or medical payments coverage can be purchased in most states and is designed to pay for your medical bills should you be injured in an accident. In the event that you or a passenger in your vehicle is injured, PIP will cover costs associated with ambulances, doctor visits, medication, funeral expenses, and other related costs. 

Uninsured motorist coverage

Unfortunately, not everyone buys insurance and if you're in an accident with an uninsured motorist you're left paying the bill no matter who was at fault. Uninsured motorist coverage is there to protect you in the event that you're in an accident with someone driving without insurance. If they're at fault it'll pay for any damage to your car and medical payments for you and your passengers.

Optional coverage options to consider

Collision coverage

Collision insurance pays for any damage you might incur if you hit another vehicle or an object like a mailbox. Even though collision insurance is not required by states, it's best to talk with your independent insurance agent about the value in this coverage. 

Comprehensive coverage

If you're driving a Jeep Cherokee you may live in an area where you're subject to wild animals or other potential objects you can hit. Whether it's a while animal or just sheer bad luck (like a rock flying up from a truck) car damage costs money and comprehensive insurance pays to fix or repair your car in one of these unfortunate events. 

Glass coverage

Broken windshields are one of the most common insurance claims. While some cracks can be tolerated, a small crack can quickly turn into big danger. Plus, driving with a broken windshield can result in a ticket. Newer Jeep Cherokees operate with radars and cameras which require windshields to be properly installed when being replaced so they can continue to work with Jeep's safety features. 

Gap insurance

If you're leasing your Jeep or still own money on your loan you could find yourself with a totaled car and still owing money on your lease or loan. If you're left with a "gap" between what your insurance pays out for your totaled car and what you owe, gap coverage fills the gap between what you owe and what your car is worth.


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What Affects the Cost of Insurance for Your Jeep Cherokee?

Annual mileage 

Everyone's annual mileage will be different depending on where you live and how often you use your Jeep. If you drive more frequently then you can expect to pay higher premiums. Driving equals being on the road and the more often you're on the road the greater chance an accident will occur. 

Driving record 

A clean driving record means you're a safe driver. Any recent violations, whether it's a traffic ticket or a speeding violation can affect your premium. The good news is that violations will fall off your record over time and your independent insurance agent can help you determine when that will be. 

The value of your car

A brand new Jeep Cherokee ranges from $25,000-39,000. While it's not the most expensive car in the world, it's not the cheapest. The more your car is worth, the higher your premium will be. This is because your insurance is responsible for potentially replacing the value of your car so the more valuable it is, the more expensive the premium costs. 

Model Year Average Premium
2018 $983
2017 $933
2016 $958
2016 $1,397

How safe is your Jeep Cherokee? 

A large contributing factor to car insurance premiums is how safe the car is. The National Highway Safety Administration (NHTSA) rated the 2020 Jeep Cherokee five-out-of-five stars on the overall side crash test and four-out-of-five stars in an overall crash test.  The Insurance Institute for Highway Safety (IIHS) gave the vehicle an overall "good" rating across the board for crash tests, which is the institute's highest rating designation.

The location of your Jeep Cherokee

Where you live may affect your insurance premiums. If you live in a densely populated area you could pay higher insurance rates than living out in the countryside. Insurance companies also take commuting times and potential traffic during your commute into consideration when setting premiums. The busier the roads are the more likely you are to get into an accident. 

Additional factors that affect your Jeep Cherokee insurance premiums

In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

What is the Average Cost to Insure a Jeep Cherokee?

Average annual cost to insure a Jeep Cherokee  $1,414
Teens $5,168
High-Risk drivers $3,012
High Deductibles $1,219
Low Deductibles $1,780

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
California $2,418
New York $2,234
Texas $2,216
Florida $2,050
Philadelphia $1,895
Most affordable states:
Maine $792
Iowa $888
New Hampshire $912
Idaho $936
Vermont $948

Top Insurance Carriers That Insure the Jeep Cherokee

According to the Insurance Information Institute, the companies that offer the best car insurance for a Jeep Cherokee are the ones with the highest market share. This includes: 

  1. State Farm
  2. Geico
  3. Progressive
  4. Liberty Mutual
  5. All State

Get a Jeep Cherokee Quote

An independent insurance agent can help you get the most affordable quote available for your Jeep Cherokee. Your agent will shop quotes from top insurance companies, finding you the best rate. Your agent can help you understand how to balance premium costs and insurance levels so you get the best value for your dollar. 

Reach out to a agent today to get a quote for insurance on your Jeep Cherokee. An independent insurance agent can shop dozens of insurance companies and help you get the right type of auto insurance.

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