Jeep Cherokee Car Insurance Rates

The Jeep Cherokee, which went on sale in 1974, is today one of the most popular cars in the United States. However, it should not be mistaken with Jeep’s full-size Grand Cherokee SUV, which is in its fifth generation. Safety features and crash test scores on this all-purpose car are excellent, so finding insurance should be simple.

Jeep Cherokee car insurance rates, on average, $220 per month, or $2,640 per year. The amount you pay may be different even though this estimate is more than double the national average of $1,318. Your location has a significant impact on how much car insurance costs. To provide an example, insurance costs $926 on average per year in Ohio but $2,013 per year in Montana. Because of this, obtaining quotations that accurately represent your current position is critical.

How to compare insurance for the Jeep Cherokee

Jeep Cherokee Car Insurance Rates - Jeep Logo

Because car insurance is an expensive purchase you hope you never have to make, looking for it may be a hassle. You won’t be allowed to forego coverage if you live in a state where it is required. Auto insurance buying can’t be avoided, but if you know what to search for, it’ll be less stressful and more cheap. What you should know about car insurance comparisons is as follows:

  • Price. Be careful to obtain several estimates using the same vehicle and driver information. Compare comparable coverage on the basis of cost using this tool.
  • Deductible. Consider how much you’re willing to pay in deductible premiums. Premiums are often cheaper for policies with larger deductibles, whereas premiums are typically higher for policies with smaller deductibles.
  • A bare minimum of protection is provided. The minimum coverage requirements vary by state, so check to be sure the insurance you select satisfies those criteria.
  • Extra information. When comparing rates, don’t forget about optional coverages like personal injury protection or medical expenses.
  • Extras. Find out what features are included in your policy and what you’ll have to pay extra for if you want those additional benefits.
  • Restrictions. To prevent coverage gaps or rejected claims, find out whether your insurance has any limitations.
  • Offers from the manufacturer or a discount for returning customers. Obtain any manufacturer incentives or loyalty discounts from your dealership, and you may be eligible for lower car insurance rates.
  • Warranty. To prevent paying for redundant coverage, find out what your manufacturer’s or extended warranty covers.

What factors affect car insurance rates for Jeep Cherokee?

The cost of insurance is heavily influenced by your potential claim frequency and severity, as well as the associated financial burden of covering such claims. While your past driving record and geographic location may have an impact on these variables, the car you drive has a far greater impact. This is due to the fact that each model’s performance, theft rate, repair cost, and other factors vary. Based on its features and specifications, the Jeep Cherokee’s insurance costs may be affected.

  • Body type. The Jeep Cherokee is a versatile SUV that can handle virtually any situation. Towing or off-road driving capabilities, on the other hand, may lead to an increase in insurance rates.
  • The make and model of the vehicle. The Jeep Cherokee is a mid-range crossover SUV. Insurance premiums may be less expensive as a result of this.
  • Theft. Cherokees are the most often stolen Jeeps, despite their lower than average theft rates. As a result, insurance premiums may go up.
  • Repairs. The average yearly repair cost for a Cherokee is slightly over $500, which is more than the average for similar cars. As a result, car insurance may become more costly.
  • Ratings on the level of safety. Jeep Cherokee drivers may be eligible for car insurance savings because of the model’s many safety features and high safety ratings.
  • Type of fuel used. Because it is a gas car, the insurance rates for the Cherokee are lower than for diesel or hybrid models.
  • Trim and bundle the excess material. Insurance rates may go up if you add features that boost your car’s power, total worth, or maintenance expenses.
  • Features that increase safety or visibility, on the other hand, may have the opposite impact on users’ experiences.

Does the Jeep Cherokee qualify for auto insurance discounts?

If your Jeep Cherokee has the following safety features, you may be able to save money on your auto insurance.

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Jeep Cherokee safety & reliability ratings

U.S. News and J.D. Power gave the 2018 Jeep Cherokee an overall score of 8.8 out of 10 for safety. NHTSA and IIHS gave it top marks in almost all areas, including overall safety.

2018 Jeep Cherokee’s dependability rating is 2.5/5 stars from U.S. News and J.D. Power, which is below average compared to other cars in its class. One reason for this may be the vehicle’s high average maintenance costs and the possibility that transmission problems could arise.

Jeep Cherokee maintenance

Designed for use both on and off the road, the Jeep Cherokee is a versatile crossover SUV. Even while it is excellent for families and long road trips, it may need more maintenance than other cars in its class because of its luxury and safety. Routine maintenance, like as oil changes and inspections, may help you avoid costly repairs by catching any problems early. What to anticipate is as follows.

  • Jeep does not offer a recommended oil change schedule due to the fact that vehicle use may vary based on the owner, location, and other variables. If you want to know when your oil needs to be changed, look at the oil change indicator system.
  • You should be able to get a new oil filter for between $100 and $200, although the actual cost may differ.
  • The Cherokees yearly repair costs are somewhat higher than the industry average for crossover SUVs, at little over $500. Transmission problems have been reported by a small number of customers.

Is an extended warranty worth it for the Jeep Cherokee?

A three-year/36,000-mile limited warranty as standard, and a five-year/60,000-mile powertrain guarantee Corrosion protection is included on new cars for five years, as is roadside support for five years/60,000 miles on most models. Jeep, in contrast to other comparable cars, does not provide a free maintenance plan.

While Jeep doesn’t have an official Cherokee extended warranty, Mopar, the company that makes the Cherokee, does offer two different car protection plans. The coverage may last up to eight years or 125,000 miles depending on the contract you choose. Both plans provide OEM component replacements, rental reimbursements, and other benefits as well. The dependability of the Cherokee is below average, and the average cost of repairs is expensive, thus purchasing the additional protection plans may be worthwhile.

About the Jeep Cherokee

Currently in its fifth iteration, Jeep Cherokee has been around since 1974. The Jeep Wagoneer was the basis for the Cherokees design. There is no doubt that the small SUV is popular because of its high-quality interior, roomy interior, and great off-road capabilities when equipped with four wheel drive. For the 2018 model year, Jeep intends to give the front end a more conservative makeover.

Bottom line

Despite its versatility, the Jeep Cherokee remains a comfortable and reliable crossover SUV. Because of certain dependability problems, the current model year has higher car insurance rates than previous years despite being in existence since 1974. Having said that, it boasts near-perfect safety ratings and a wide range of excellent security features that may help you save money on car insurance. To discover how much you’ll spend, obtain quotes from a few different companies and compare them to see which one offers the greatest value for the coverage you need.

For additional car insurance review, check out our review of Jeep Compass Car Insurance Rates.