Jeep Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 18, 2024
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Average auto insurance rates for a Jeep Cherokee are $1,592 annually with full coverage. Comprehensive costs around $298, collision costs $558, and liability coverage costs around $536. A policy with just liability insurance costs as low as $606 a year, with coverage for high-risk drivers costing around $3,450. Teens receive the highest rates at $6,098 a year or more.
Average premium for full coverage: $1,592
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Cherokee trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $606 for the bare minimum liability coverage to a much higher rate of $3,450 for high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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 Information
The chart below details estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $924
- Using higher $1,000 deductibles will save about $196 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,592
- Selecting more expensive low deductibles for physical damage coverage will cost $1,968
- Higher-risk drivers with serious driving violations could pay at least $3,450 or more
- The cost with full coverage for a teenage driver with full coverage can be $6,098 or more
Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,140 on average in Florida, Michigan, and New York.
| 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 best way to find out your exact price is to compare rates and see how they stack up. Each insurance company calculates rates differently, and rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Jeep Cherokee | $308 | $582 | $520 | $1,610 |
| 2022 Jeep Cherokee | $298 | $558 | $536 | $1,592 |
| 2021 Jeep Cherokee | $282 | $538 | $554 | $1,574 |
| 2020 Jeep Cherokee | $270 | $500 | $564 | $1,534 |
| 2019 Jeep Cherokee | $260 | $470 | $570 | $1,500 |
| 2018 Jeep Cherokee | $248 | $422 | $574 | $1,444 |
| 2017 Jeep Cherokee | $232 | $388 | $574 | $1,394 |
| 2016 Jeep Cherokee | $224 | $364 | $580 | $1,368 |
| 2015 Jeep Cherokee | $220 | $340 | $592 | $1,352 |
| 2014 Jeep Cherokee | $202 | $316 | $592 | $1,310 |
| 2012 Jeep Cherokee | $184 | $262 | $592 | $1,238 |
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 Right Jeep Cherokee Insurance
Saving money on auto insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a quick rundown of the material that was illustrated above.
- Consumers who may need additional liability coverage will pay approximately $590 every year to increase from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $508 per month if they have full coverage
- Drivers with reckless driving or DUI convictions may pay on average $1,860 more every year than a driver with a clean driving record
- Increasing deductibles could save up to $575 each year
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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