Jeep Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 18, 2024
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U.S. average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive costs approximately $298 each year, collision costs $558, and liability insurance costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing around $3,450. Teen drivers pay the highest rates at $6,098 a year or more.
Average premium for full coverage: $1,592
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Cherokee models.
Price Range from Low to High
For the average 40-year-old driver, Jeep Cherokee insurance prices go from the low end price of $606 for the bare minimum liability coverage to a high rate of $3,450 for a high-risk driver policy.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $924
- Using higher $1,000 deductibles will save $196 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,592
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,968
- Drivers with multiple violations and an at-fault accident could pay around $3,450 or more
- The price that insures a teen driver can cost $6,098 or more
Car insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $6,000 a year. View Rates by Age
The state you live in has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,140 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,436 | -$156 | -9.8% |
| Alaska | $1,220 | -$372 | -23.4% |
| Arizona | $1,318 | -$274 | -17.2% |
| Arkansas | $1,592 | -$0 | 0.0% |
| California | $1,814 | $222 | 13.9% |
| Colorado | $1,518 | -$74 | -4.6% |
| Connecticut | $1,634 | $42 | 2.6% |
| Delaware | $1,800 | $208 | 13.1% |
| Florida | $1,986 | $394 | 24.7% |
| Georgia | $1,466 | -$126 | -7.9% |
| Hawaii | $1,142 | -$450 | -28.3% |
| Idaho | $1,080 | -$512 | -32.2% |
| Illinois | $1,186 | -$406 | -25.5% |
| Indiana | $1,198 | -$394 | -24.7% |
| Iowa | $1,074 | -$518 | -32.5% |
| Kansas | $1,510 | -$82 | -5.2% |
| Kentucky | $2,168 | $576 | 36.2% |
| Louisiana | $2,354 | $762 | 47.9% |
| Maine | $984 | -$608 | -38.2% |
| Maryland | $1,312 | -$280 | -17.6% |
| Massachusetts | $1,270 | -$322 | -20.2% |
| Michigan | $2,760 | $1,168 | 73.4% |
| Minnesota | $1,332 | -$260 | -16.3% |
| Mississippi | $1,904 | $312 | 19.6% |
| Missouri | $1,410 | -$182 | -11.4% |
| Montana | $1,708 | $116 | 7.3% |
| Nebraska | $1,252 | -$340 | -21.4% |
| Nevada | $1,906 | $314 | 19.7% |
| New Hampshire | $1,144 | -$448 | -28.1% |
| New Jersey | $1,776 | $184 | 11.6% |
| New Mexico | $1,410 | -$182 | -11.4% |
| New York | $1,672 | $80 | 5.0% |
| North Carolina | $914 | -$678 | -42.6% |
| North Dakota | $1,304 | -$288 | -18.1% |
| Ohio | $1,098 | -$494 | -31.0% |
| Oklahoma | $1,632 | $40 | 2.5% |
| Oregon | $1,456 | -$136 | -8.5% |
| Pennsylvania | $1,518 | -$74 | -4.6% |
| Rhode Island | $2,122 | $530 | 33.3% |
| South Carolina | $1,440 | -$152 | -9.5% |
| South Dakota | $1,342 | -$250 | -15.7% |
| Tennessee | $1,392 | -$200 | -12.6% |
| Texas | $1,916 | $324 | 20.4% |
| Utah | $1,178 | -$414 | -26.0% |
| Vermont | $1,086 | -$506 | -31.8% |
| Virginia | $952 | -$640 | -40.2% |
| Washington | $1,228 | -$364 | -22.9% |
| West Virginia | $1,458 | -$134 | -8.4% |
| Wisconsin | $1,102 | -$490 | -30.8% |
| Wyoming | $1,416 | -$176 | -11.1% |
Choosing high deductibles could cut prices by as much as $580 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Jeep Cherokee | $308 | $582 | $520 | $1,610 |
| 2022 Jeep Cherokee | $298 | $558 | $536 | $1,592 |
| 2021 Jeep Cherokee | $282 | $538 | $554 | $1,574 |
| 2020 Jeep Cherokee | $270 | $500 | $564 | $1,534 |
| 2019 Jeep Cherokee | $260 | $470 | $570 | $1,500 |
| 2018 Jeep Cherokee | $248 | $422 | $574 | $1,444 |
| 2017 Jeep Cherokee | $232 | $388 | $574 | $1,394 |
| 2016 Jeep Cherokee | $224 | $364 | $580 | $1,368 |
| 2015 Jeep Cherokee | $220 | $340 | $592 | $1,352 |
| 2014 Jeep Cherokee | $202 | $316 | $592 | $1,310 |
| 2012 Jeep Cherokee | $184 | $262 | $592 | $1,238 |
Rates are averaged for all Jeep Cherokee models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Jeep Cherokee Insurance
Getting lower rates on Jeep Cherokee insurance requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.
The list below is a brief summary of the information touched on in this article.
- You may be able to save around $190 per year simply by quoting online in advance
- Teenagers pay the highest auto insurance prices, costing up to $508 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $575 each year
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,860 more per year for car insurance
- Drivers who purchase higher liability limits will pay about $590 every year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,098 |
| 20 | $3,686 |
| 30 | $1,646 |
| 40 | $1,592 |
| 50 | $1,454 |
| 60 | $1,426 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,968 |
| $250 | $1,794 |
| $500 | $1,592 |
| $1,000 | $1,396 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,592 |
| 50/100 | $1,699 |
| 100/300 | $1,833 |
| 250/500 | $2,182 |
| 100 CSL | $1,753 |
| 300 CSL | $2,048 |
| 500 CSL | $2,262 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,678 |
| 20 | $5,870 |
| 30 | $3,512 |
| 40 | $3,450 |
| 50 | $3,298 |
| 60 | $3,266 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $84 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $70 |
| Advance Quote | $77 |
| Online Quote | $111 |
| Total Discounts | $668 |
Discounts are estimated and may not be available from every company or in every state.
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