Jeep Cherokee Insurance Rates
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UPDATED: Jun 2, 2023
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U.S. average insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs approximately $298 each year, collision costs $558, and liability coverage is $536. A policy with just liability insurance costs around $606 a year, with coverage for high-risk drivers costing around $3,450. Teens 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 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Cherokee models.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Cherokee insurance prices go from as low as $606 for just liability insurance to a high rate of $3,450 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, 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.
More Rate Details
The chart below shows estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $924
- Raising to $1,000 deductibles will save $196 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,592
- Selecting low deductibles will increase the cost to $1,968
- Unlucky drivers with serious driving violations could pay around $3,450 or more
- The price for full coverage for a teenage driver can cost $6,098
Insurance prices for a Jeep Cherokee are also quite variable based on your driving record, the trim level of your Cherokee, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,000 a year. View Rates by Age
The state you live in also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find prices 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.
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 higher comprehensive and collision insurance deductibles can reduce prices by up to $580 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.
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 Cheap Jeep Cherokee Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a brief summary of the data raised in the charts and tables above.
- Consumers who purchase higher liability limits will pay approximately $590 each year to raise from a low limit to 250/500 limits
- Drivers can save around $190 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $575 each year
- Teens are expensive to insure, with premiums as much as $508 a month for full coverage
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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