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...

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UPDATED: Jun 2, 2023

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Jeep Cherokee insurance

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:

Comprehensive $298
Collision $558
Liability $536

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.

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

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.

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

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

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing full coverage Jeep Cherokee insurance rates range from $924 to $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.

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 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.

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 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

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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