Jeep Cherokee Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 18, 2024

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Jeep Cherokee insurance

Average insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage insurance. Comprehensive insurance costs around $308, collision insurance costs $582, and liability coverage is estimated at $520. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $3,488 or more. Teenage drivers receive the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Rate estimates for individual coverage type:

Comprehensive $308
Collision $582
Liability $520

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Cherokee trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $592 for just liability coverage to a much higher rate of $3,488 for a driver required to buy high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

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

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using average rates.

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.

Detailed Rate Analysis

The chart below illustrates average Jeep Cherokee insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $932
  • Choosing higher $1,000 deductibles can save about $202 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,610
  • Using more expensive low deductibles for comp and collision coverage costs an extra $392 each year
  • Drivers who are prone to accidents and violations could pay at least $3,488
  • The cost to insure a teenage driver with full coverage can be $6,130 each 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

Car insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $600 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,170 on average in Michigan, New York, and Florida.

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 the Best Cheap Jeep Cherokee Insurance

Saving money on auto insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the data touched on in this article.

  • Consumers who may need an increased level of liability coverage will pay an extra $570 annually to raise limits from a minimum limit to a 250/500 level
  • It is possible to save up to $190 per year just by shopping early and online
  • Increasing deductibles could save as much as $600 each year
  • Drivers age 16 to 20 are the costliest to insure, costing up to $511 per month if the policy includes 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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