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Jeep Cherokee Insurance Cost


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Jeep Cherokee Insurance Cost

The Jeep Cherokee, which was introduced in 1974, is currently one of the best-selling cars in the United States. The Cherokee, not to be confused with the iconic full-size Grand Cherokee SUV, is a crossover SUV in its fifth generation. This all-purpose car has excellent safety features and crashes test scores, so finding coverage should be simple.

Auto insurance for a Jeep Cherokee costs an average of $220 per month or $2,640 per year. While this estimate is more than double the national average of $1,318, the amount you pay may vary. The cost of vehicle insurance is determined by a variety of factors, the most important of which is your location. For example, the average annual cost of insurance in Ohio is $926, whereas it is $2,013 in Montana. This is why it is critical to obtain estimates that accurately represent your circumstances.

How to compare insurance for the Jeep Cherokee

Let’s face it: searching for vehicle insurance may be a chore; it’s an expensive investment that you hope you never have to use. And, because coverage is required in virtually every state, you won’t be able to opt-out. While it is impossible to avoid looking for vehicle insurance, understanding what to look for may make the process easier and less expensive.

Here’s what you should know about vehicle insurance comparison:

  • Price. When receiving estimates, be sure to utilize the same vehicle and driver information. This will allow you to compare similar coverage based on pricing.
  • Deductible. Keep in mind that the size of your deductible might impact the cost of your insurance. Policies with larger deductibles often have lower rates, and policies with smaller deductibles typically have higher premiums.
  • Minimum coverage. Because each state has distinct coverage requirements, it is critical that the insurance you select satisfies your state’s minimums.
  • Additional coverage. When obtaining estimates, make sure to include any additional policy choices, such as personal injury protection or medical payments coverage.
  • Extras. Find out what features are included in your insurance and which you will have to pay extra for.
  • Restrictions. To avoid gaps in coverage or refused claims, find out whether your insurance has any limits.
  • Manufacturer offer or loyalty discount. Inquire with your dealership to see if you are qualified for any manufacturer incentives or loyalty discounts, as you may be able to save money on vehicle insurance.
  • Warranty. To prevent paying for overlapping coverage, find out what is covered by your manufacturer’s or extended warranty.

What factors affect car insurance rates for Jeep Cherokee?

The cost of insurance is primarily determined by your likelihood of submitting claims and the expense of paying them. While your driving history and location might have an impact on these parameters, the car you drive is far more significant. This is due to the fact that performance, theft rates, repair prices, and other characteristics vary by brand and model. Here’s how the Jeep Cherokee’s features may impact insurance costs.

  • Body type. The Cherokee is an all-road SUV that can handle nearly any terrain. However, the possibility of using it for towing or off-road driving may result in higher insurance costs.
  • Type of car. The Jeep Cherokee is a reasonably priced crossover SUV. This might result in lower insurance prices.
  • Theft. Despite the fact that Jeep theft rates are lower than the national average, the Cherokee is the most stolen vehicle. This may raise the cost of insurance.
  • Repairs. The Cherokee’s average yearly repair cost is slightly more than $500, which is more than that of comparable vehicles in its class. This might result in higher vehicle insurance rates.
  • Safety ratings. The Jeep Cherokee boasts a variety of safety features and excellent safety ratings, which may result in insurance reductions.
  • Fuel type. The Cherokee is a gas car, which is less expensive to insure than diesel or hybrid automobiles.
  • Trim & packages. Including extras that boost power, total worth, or possible repair expenses may result in higher insurance premiums. However, elements designed to increase safety or visibility may have the opposite effect.

Does the Jeep Cherokee qualify for auto insurance discounts?

If your Jeep Cherokee has these safety features, you may be able to save money on car 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 8.8/10 for safety. Furthermore, it got the best possible ratings from the NHTSA and IIHS in nearly every category.

According to U.S. News and J.D. Power, the 2018 Jeep Cherokee has a poor 2.5/5 star dependability rating, which is worse than the majority of other cars in its class. This might be owing to its high average repair costs and the possibility of transmission problems.

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Jeep Cherokee maintenance

The Jeep Cherokee is an all-terrain crossover SUV that can tackle nearly any terrain, both on and off the road. It provides a pleasant and safe driving experience, making it ideal for families and road trips, but it may need more maintenance than other vehicles in its class. Regardless, basic maintenance such as oil changes and inspections can help to prevent unforeseen problems and keep your car running smoothly. Here’s what you can anticipate.

  • Jeep does not recommend an oil change schedule because vehicle usage varies based on the owner, location, and other variables. Instead, use the oil change indication system to determine when your oil needs to be changed.
  • Oil changes should cost between $100 and $200, however the real cost may be more or lower.
  • The Cherokee has an annual average repair cost of little more than $500, which is more than the norm for crossover SUVs. Some owners have also reported transmission issues, which might contribute to the higher average repair cost.

Is an extended warranty worth it for the Jeep Cherokee?

The Jeep Cherokee comes with a 3-year/36,000-mile limited warranty as standard, as well as a 5-year/60,000-mile powertrain warranty. New cars also come with a 5-year corrosion warranty and 5-year/60,000-mile roadside support. Unlike other comparable vehicles, Jeep does not provide a free maintenance plan.

Jeep does not provide an official extended warranty for the Cherokee, but its parent company, Mopar, does offer two-vehicle protection plans. There are many periods available that give coverage for up to eight years/125,000 miles. Both plans provide OEM part replacements, rental reimbursements, and other benefits. The Cherokee is less reliable than average and has high average maintenance expenses, therefore extended protection insurance may be a smart choice.

About the Jeep Cherokee

The Jeep Cherokee has been in production since 1974 and is now in its sixth generation. The Cherokee was originally a Jeep Wagoneer derivative. The small SUV is well-known for its luxurious cabin, roomy interior, and great off-road performance with four-wheel drive. Jeep intends to revamp the front end with a more conservative design for the 2018 model.

Bottom line

The Jeep Cherokee is a versatile crossover SUV that strikes a good mix between comfort and durability. Despite the fact that it has been in production since 1974, the current version still has significant dependability concerns that may lead to increased vehicle insurance costs. Having said that, it boasts near-perfect safety ratings and a slew of outstanding safety features that might help you save money on vehicle insurance. You should obtain estimates from various providers to see how much you will spend, then compare your alternatives to discover the best value for the coverage you require.

Check out our review of Mazda CX-5 Insurance Cost & Rates for one more car insurance review.

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