2016 Jeep Cherokee Car Insurance Calculator

Gain insights into how different risk factors impact the cost of car insurance for a 2016 Jeep Cherokee. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2016 Jeep Cherokee is $1,566 per year, or about $131 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,566

Cost Per Month

$131

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Jeep Cherokee Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Jeep Cherokee.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,566
Average Rate
Your Rate
$1,566

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Jeep Cherokee trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Jeep Cherokee is $1,566.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Jeep Cherokee vs. the Midsize SUV Segment

The table below compares insurance rates for the 2016 Jeep Cherokee against all other models in the midsize SUV segment. The Jeep Cherokee is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Jeep Cherokee, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Jeep Cherokee.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Jeep Cherokee Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,438-$128
2Chevrolet Traverse$1,512-$54
3Ford Flex$1,544-$22
4Jeep Cherokee$1,566--
5Dodge Journey$1,572$6
6Dodge Durango$1,590$24
7Toyota 4Runner$1,608$42
8Ford Edge$1,628$62
9Mazda CX-9$1,650$84
10Nissan Pathfinder$1,660$94
2016 Midsize SUV Average$1,667$101
11Honda Pilot$1,670$104
12Nissan Murano$1,678$112
13Jeep Grand Cherokee$1,680$114
14Hyundai Santa Fe$1,692$126
15Jeep Wrangler$1,734$168
16GMC Acadia$1,742$176
17Buick Enclave$1,750$184
18Ford Explorer$1,772$206
19Toyota Highlander$1,806$240
20Kia Sorento$1,816$250
21Volkswagen Touareg$1,892$326

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Cherokee Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Jeep Cherokee.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Jeep Cherokee Insurance Rates by Trim Level
2016 Jeep Cherokee Trim Level Annual Premium Cost Per Month
Sport 2WD$1,426$119
Latitude 2WD$1,476$123
Sport 4WD$1,476$123
Latitude 4WD$1,524$127
Limited 2WD$1,572$131
Limited 4WD$1,620$135
Trailhawk 4WD$1,620$135
Overland 2WD$1,668$139
Overland 4WD$1,716$143

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Jeep Cherokee for different driver ages.

2016 Jeep Cherokee Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,780$482
17$5,529$461
18$4,822$402
19$4,440$370
20$3,368$281
21$3,210$268
22$2,852$238
23$2,386$199
24$2,236$186
25$1,812$151
30$1,654$138
35$1,614$135
40$1,566$131
45$1,474$123
50$1,404$117
55$1,308$109
60$1,310$109
65$1,396$116
70$1,536$128
75$1,840$153
80$2,274$190

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Jeep Cherokee trim levels.