Jeep Cherokee Insurance Rates
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UPDATED: May 30, 2023
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Average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage insurance. Comprehensive insurance costs around $298, collision costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing $3,450 or more. 16-year-old drivers receive the highest rates at $6,098 a year or more.
Average premium for full coverage: $1,592
Rate estimates for individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Cherokee models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $606 for your basic liability-only policy to the much higher price of $3,450 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
These examples illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
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 Information
The chart below illustrates estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $924
- Using higher $1,000 deductibles will save about $196 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,592
- Buying pricier low deductibles for physical damage coverage costs an additional $376 annually
- High-risk insureds with multiple tickets or accidents could pay at least $3,450 or more
- The cost with full coverage for a 16-year-old driver for full coverage can be $6,098 or more
Car insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,900 to $2,600 extra per year, depending on your age. Jeep Cherokee insurance for high-risk drivers can be from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $580 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,140 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 Buy the Cheapest Jeep Cherokee Insurance
Saving money on insurance for a Jeep Cherokee requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a recap of the coverage data touched on above.
- It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $575 each year
- 16 to 18-year-old drivers are the costliest to insure, costing up to $508 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents pay on average $1,860 more every year than a driver with a clean driving record
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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