Car Insurance

Jeep Cherokee Car Insurance Rates

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at QuoteYeti.com, and editor at BusinessPundit.com 6 minute read

This is how it works: The Jeep Cherokee was first sold in 1974. It is now a very popular car in the United States because of that. If you want a Jeep, you should not confuse this small SUV with the full-size Grand Cherokee SUV, which is now in its fifth generation. Safety features and crash test scores on this all-purpose car are great, so it should be easy to get insurance for it.

Jeep Cherokee car insurance cost on average are $180 a month. That’s $2,640 for the year. You may pay a different amount even though this figure is more than double the national average of $1,318, even though this figure is more than double. It costs a lot more to insure a car if you live in a certain place. If you live in Ohio, your insurance costs on average $926 a year. In Montana, it costs about $2,013 a year. Because of this, getting quotes that accurately show where you are now is very important.

How to compare insurance for the Jeep Cherokee

Jeep Cherokee Car Insurance Rates - Jeep Cherokee Car Insurance Logo

Trying to find car insurance may be a pain because it’s a big deal that you hope you don’t have to make. If you live in a state where insurance is required, you won’t be able to skip it. People have to buy car insurance, so it can’t be avoided. If you know what to look for, it will be less stressful and more cost-friendly. It’s important to know what to look for when you compare car insurance policies.

  • Price. Be careful when you get multiple quotes for the same car and driver. Use this tool to compare the cost of similar coverage.
  • Deductible. Make sure you think about how much money you’re willing to pay in deductible premiums before you make a choice. Premiums for policies with bigger deductibles are often cheaper than premiums for policies with smaller deductibles.
  • A very small amount of protection is given. Check to see if the insurance you choose meets the minimum coverage requirements in your state before you buy it.
  • A lot more information. Do not forget to compare prices for optional coverages like personal injury protection and medical expenses when you are comparing prices,
  • Extras. If you want to get more benefits from your policy, find out what you’ll have to pay for.
  • Restrictions. To avoid coverage gaps or claims that aren’t paid, find out if your insurance has any restrictions.
  • Offers from the manufacturer or a discount for customers who come back. Any manufacturer incentives or loyalty discounts from your dealership could help you get a better rate on car insurance.
  • Warranty. To avoid paying for extra insurance, find out what your manufacturer’s or extended warranty covers.

What factors affect car insurance rates for Jeep Cherokee?

The cost of insurance is very much based on how often and how bad your claims are, as well as how much money it costs to pay for those claims. This isn’t to say that your past driving record and where you live don’t play a role, but the car you drive has a much bigger impact. Due to the fact that each model has a different performance, theft rate, repair cost, and other things that make it different, this is why. Based on its features and specifications, the Jeep Cherokee’s insurance costs may change. This is because of the way it is built.

  • Body type. The Jeep Cherokee is an SUV that can be used in almost any situation. In contrast, if you can tow or drive off-road, that could raise your insurance costs.
  • The make and model of the car. There is a Jeep Cherokee that is a crossover SUV that is in the middle of the price range. Insurance premiums may be less expensive because of this, but it’s not certain.
  • Theft. Cherokees are the most stolen Jeeps, even though they are less likely to be stolen than other Jeeps. As a result, insurance premiums may go up, so this could happen.
  • Repairs. The average repair bill for a Cherokee is a little more than $500 a year, which is more than the average for cars of the same kind. The cost of car insurance may go up as a result.
  • On the level of safety. Because Jeep Cherokees have a lot of safety features and get good safety scores, some people who drive them may be able to get a discount on their car insurance.
  • Type of fuel. As a gas car, it costs less to insure than a diesel or hybrid car.
  • Trim and bundle up the extra material. The cost of insurance may go up if you add things to your car that make it more powerful, more valuable, or more expensive to keep up. Users, on the other hand, may not enjoy features that make them more safe or visible.

Does the Jeep Cherokee qualify for auto insurance discounts?

If your Jeep Cherokee has the following safety features, you might be able to save money on your car insurance by having them.

  • 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

This year’s Jeep Cherokee was given an overall score of 8.8 out of 10 out of 10 by U.S. News and JD. Power for its safety. Most of the time, it got good grades from the NHTSA and the IIHS, including for overall safety.

The 2018 Jeep Cherokee has a dependability rating of 2.5/5 stars from the U.S. News and J.D. Power, which is below average when compared to other cars in the same class as the Cherokee. One possible reason for this is that the vehicle has a lot of maintenance costs and there is a chance that the transmission could break down.

Jeep Cherokee maintenance

The Jeep Cherokee is a crossover SUV that can be used both on and off the road, making it very useful. The fact that it’s good for families and long road trips doesn’t mean it won’t need more maintenance than other cars in its class because of its luxury and safety. Getting your oil changed and having your car checked out on a regular basis may help you avoid costly repairs by finding problems before they get worse and cost more to fix. What to expect is as follows.

  • Jeep doesn’t have a set schedule for when you should change your oil because the way your car is used can change based on who owns it, where you live, and other things. If you want to know when your oil needs to be changed, look at the system that tells you.
  • You should be able to buy a new oil filter for between $100 and $200, but the price may vary.
  • The Cherokees annual repair costs are a little more than $500, which is a little more than the industry average for crossover SUVs. The transmission hasn’t worked well for a small number of customers, though.

Is an extended warranty worth it for the Jeep Cherokee?

A three-year/36,000-mile limited warranty comes standard, and a five-year/60,000-mile powertrain warranty comes with it. A lot of new cars come with corrosion protection for five years, and most come with roadside assistance for five years or 60,000 miles. Jeep, unlike other cars of the same kind, does not offer a free maintenance plan.

If you want to protect your Jeep Cherokee, you can buy a plan from Mopar, which makes the car. There are different contracts that can cover you for up to eight years or 125,000 miles. Both plans cover original parts, rental reimbursements, and other things as well. The Cherokee isn’t very reliable, and the average cost of repairs is high, so extra protection plans might be worth it.

About the Jeep Cherokee

The Jeep Cherokee has been around since 1974. It is now in its fifth version. The Cherokee was based on the Jeep Wagoneer. If you have a small SUV with a high-quality interior, a lot of space in the back, and four wheel drive, you’ll love it. For the 2018 Jeep model, the front end is going to look a little less flashy than before.

Bottom line

Despite its many features, the Jeep Cherokee is still a comfortable and safe crossover SUV. Because of some reliability issues, the current model year has higher car insurance rates than other years, even though it has been around since 1974. As a side note, it has near-perfect safety ratings and a lot of great safety features that could help you save money on car insurance. Make sure you get quotes from a few different companies and compare them to figure out how much you’ll pay.

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