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: Jun 6, 2023

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Jeep Cherokee insurance

Estimated insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive insurance costs approximately $298 a year, collision insurance costs $558, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs $3,450 or more. Teens pay the most at up to $6,098 a year.

Average premium for full coverage: $1,592

Premium estimates by type of coverage:

Comprehensive $298
Collision $558
Liability $536

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Cherokee trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Jeep Cherokee range from the low end price of $606 for just the minimum liability insurance to a high of $3,450 for coverage for higher-risk drivers.

Liability Only $606
Full Coverage $1,592
High Risk $3,450

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $1,194
Small Cities $1,672
Large Cities $2,149

These rate differences show why it is important to get quotes using their specific location, 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 Rate Analysis

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

  • The cheapest rate after discounts is $924
  • Choosing higher $1,000 deductibles can save $1,396 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,592
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $376 each year
  • Drivers with serious driving violations could pay around $3,450
  • An auto insurance policy that insures a teenage driver can cost $6,098 each year

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing Jeep Cherokee insurance prices range from $924 to $6,098 for full coverage

Insurance prices for a Jeep Cherokee also have a wide range based on the trim level of your Cherokee, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $6,000 a year. View Rates by Age

Where you choose to 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 Iowa, Maine, and Idaho, or have to pay at least $2,270 on average in New York, Louisiana, and Michigan.

Jeep Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,436 -$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%

View Chart as Image

Jeep Cherokee insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

Jeep Cherokee Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Cherokee $298 $558 $536 $1,592
2018 Jeep Cherokee $270 $500 $564 $1,534
2017 Jeep Cherokee $260 $470 $570 $1,500
2016 Jeep Cherokee $248 $422 $574 $1,444
2015 Jeep Cherokee $232 $388 $574 $1,394
2014 Jeep Cherokee $224 $364 $580 $1,368
2012 Jeep Cherokee $202 $316 $592 $1,310
2011 Jeep Cherokee $198 $286 $596 $1,280
2010 Jeep Cherokee $184 $262 $592 $1,238
2009 Jeep Cherokee $174 $238 $592 $1,204
2008 Jeep Cherokee $168 $214 $586 $1,168
2007 Jeep Cherokee $166 $208 $574 $1,148
2006 Jeep Cherokee $162 $198 $564 $1,124
2005 Jeep Cherokee $148 $190 $558 $1,096
2004 Jeep Cherokee $144 $180 $554 $1,078

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 Low Cost Jeep Cherokee Insurance

Finding better rates on auto insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates at least once a year by requesting rates from direct carriers, and also from insurance agencies where you live.

The following items are a review of the primary concepts that were illustrated above.

  • Drivers can save around $190 per year just by quoting early and online
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,860 more per year than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $575 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $508 per month if full coverage is included

Rates by Driver Age

Jeep Cherokee Insurance 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

Jeep Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,968
$250 $1,794
$500 $1,592
$1,000 $1,396

Full coverage, driver age 40

Rates by Liability Limit

Jeep Cherokee Insurance Rates with Different Liability Limits
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

Jeep Cherokee Insurance 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.

SR-22 Surcharge $223

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
Rate after discounts $924

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

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