Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

Estimated insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage. Comprehensive insurance costs approximately $308, collision insurance costs $582, and liability coverage costs $520. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs $3,488 or more. Teens pay the most at up to $6,130 a year.

Average premium for full coverage: $1,610

Premium estimates by type of coverage:

Comprehensive $308
Collision $582
Liability $520

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Cherokee models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Jeep Cherokee range from the cheapest price of $592 for liability-only coverage to the much higher price of $3,488 for coverage for higher-risk drivers.

Liability Only $592
Full Coverage $1,610
High Risk $3,488

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,208
Small Cities $1,691
Large Cities $2,174

These rate differences show why everyone should compare rates using their specific location and their own driving history, rather than using averaged prices.

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 Charts and Tables

The chart below shows average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $932
  • Drivers who choose higher $1,000 deductibles will pay $202 a year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,610
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $392 each year
  • High-risk insureds with serious driving violations could pay around $3,488
  • An auto insurance policy to insure a teenage driver for full coverage can cost $6,130 a year

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing Jeep Cherokee insurance prices range from $932 to $6,130 for full coverage

Insurance prices for a Jeep Cherokee also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Cherokee.

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 extra annually, depending on your age. Jeep Cherokee insurance for high-risk drivers can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,290 on average in New York, Louisiana, and Michigan.

Jeep Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,454 -$156 -9.7%
Alaska $1,232 -$378 -23.5%
Arizona $1,334 -$276 -17.1%
Arkansas $1,610 -$0 0.0%
California $1,832 $222 13.8%
Colorado $1,536 -$74 -4.6%
Connecticut $1,652 $42 2.6%
Delaware $1,820 $210 13.0%
Florida $2,010 $400 24.8%
Georgia $1,484 -$126 -7.8%
Hawaii $1,156 -$454 -28.2%
Idaho $1,090 -$520 -32.3%
Illinois $1,200 -$410 -25.5%
Indiana $1,212 -$398 -24.7%
Iowa $1,088 -$522 -32.4%
Kansas $1,526 -$84 -5.2%
Kentucky $2,194 $584 36.3%
Louisiana $2,382 $772 48.0%
Maine $992 -$618 -38.4%
Maryland $1,328 -$282 -17.5%
Massachusetts $1,284 -$326 -20.2%
Michigan $2,794 $1,184 73.5%
Minnesota $1,346 -$264 -16.4%
Mississippi $1,928 $318 19.8%
Missouri $1,428 -$182 -11.3%
Montana $1,730 $120 7.5%
Nebraska $1,266 -$344 -21.4%
Nevada $1,930 $320 19.9%
New Hampshire $1,158 -$452 -28.1%
New Jersey $1,798 $188 11.7%
New Mexico $1,426 -$184 -11.4%
New York $1,692 $82 5.1%
North Carolina $926 -$684 -42.5%
North Dakota $1,318 -$292 -18.1%
Ohio $1,110 -$500 -31.1%
Oklahoma $1,650 $40 2.5%
Oregon $1,472 -$138 -8.6%
Pennsylvania $1,534 -$76 -4.7%
Rhode Island $2,148 $538 33.4%
South Carolina $1,458 -$152 -9.4%
South Dakota $1,356 -$254 -15.8%
Tennessee $1,408 -$202 -12.5%
Texas $1,938 $328 20.4%
Utah $1,190 -$420 -26.1%
Vermont $1,100 -$510 -31.7%
Virginia $962 -$648 -40.2%
Washington $1,242 -$368 -22.9%
West Virginia $1,474 -$136 -8.4%
Wisconsin $1,114 -$496 -30.8%
Wyoming $1,434 -$176 -10.9%

View Chart as Image

Jeep Cherokee insurance rates by U.S. city
Jeep Cherokee Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Jeep Cherokee $320 $596 $498 $1,614
2022 Jeep Cherokee $308 $582 $520 $1,610
2021 Jeep Cherokee $298 $558 $536 $1,592
2020 Jeep Cherokee $282 $538 $554 $1,574
2019 Jeep Cherokee $270 $500 $564 $1,534
2018 Jeep Cherokee $260 $470 $570 $1,500
2017 Jeep Cherokee $248 $422 $574 $1,444
2016 Jeep Cherokee $232 $388 $574 $1,394
2015 Jeep Cherokee $224 $364 $580 $1,368
2014 Jeep Cherokee $220 $340 $592 $1,352
2012 Jeep Cherokee $198 $286 $596 $1,280

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 Shop for Cheaper Jeep Cherokee Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

  • Drivers can save around $190 per year just by quoting online well ahead of the renewal date
  • Drivers with multiple at-fault accidents may pay on average $1,880 more per year than a low-risk driver
  • Increasing policy deductibles could save as much as $600 each year
  • Youthful drivers are expensive to insure, as much as $511 per month if they have full coverage

Rates by Driver Age

Jeep Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $6,130
20 $3,730
30 $1,668
40 $1,610
50 $1,470
60 $1,442

Full coverage, $500 deductibles

Rates by Deductible

Jeep Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,002
$250 $1,822
$500 $1,610
$1,000 $1,408

Full coverage, driver age 40

Rates by Liability Limit

Jeep Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,610
50/100 $1,714
100/300 $1,844
250/500 $2,182
100 CSL $1,766
300 CSL $2,052
500 CSL $2,260

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Cherokee Insurance Rates for High Risk Drivers
Age Premium
16 $8,730
20 $5,938
30 $3,556
40 $3,488
50 $3,332
60 $3,298

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.

SR-22 Surcharge $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $116
5-yr Claim Free $104
Paid in Full/EFT $71
Advance Quote $79
Online Quote $113
Total Discounts $678
Rate after discounts $932

Discounts are estimated and may not be available from every company or in every state.

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