Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

U.S. average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive insurance costs on average $308, collision costs $582, and liability insurance costs around $520. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing $3,488 or more. 16-year-old drivers pay the highest rates at $6,130 a year or more.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Comprehensive $308
Collision $582
Liability $520

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Cherokee models.

Price Range from Low to High

For an average driver, Jeep Cherokee insurance prices go from the low end price of $592 for just the minimum liability insurance to the much higher price of $3,488 for a driver required to buy high-risk insurance.

Liability Only $592
Full Coverage $1,610
High Risk $3,488

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,208
Small Cities $1,691
Large Cities $2,174

The ranges above highlight why everyone should compare prices based on a specific location, rather than relying 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.

Additional Rate Analysis

The chart below breaks down estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $932
  • Using higher $1,000 deductibles will save around $202 every year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,610
  • Buying pricier low deductibles for physical damage coverage will cost an additional $392 a year
  • Drivers with multiple tickets or accidents could pay upwards of $3,488 or more
  • The price that insures a teen driver for full coverage may cost $6,130 or more

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing full coverage Jeep Cherokee insurance prices range from $932 to $6,130

Auto insurance prices for a Jeep Cherokee are also quite variable based on the model of your Cherokee, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. Jeep Cherokee insurance for high-risk drivers can be anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,290 on average in Michigan, New York, and Louisiana.

Jeep Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,454 -$156 -9.7%
Alaska $1,232 -$378 -23.5%
Arizona $1,334 -$276 -17.1%
Arkansas $1,610 -$0 0.0%
California $1,832 $222 13.8%
Colorado $1,536 -$74 -4.6%
Connecticut $1,652 $42 2.6%
Delaware $1,820 $210 13.0%
Florida $2,010 $400 24.8%
Georgia $1,484 -$126 -7.8%
Hawaii $1,156 -$454 -28.2%
Idaho $1,090 -$520 -32.3%
Illinois $1,200 -$410 -25.5%
Indiana $1,212 -$398 -24.7%
Iowa $1,088 -$522 -32.4%
Kansas $1,526 -$84 -5.2%
Kentucky $2,194 $584 36.3%
Louisiana $2,382 $772 48.0%
Maine $992 -$618 -38.4%
Maryland $1,328 -$282 -17.5%
Massachusetts $1,284 -$326 -20.2%
Michigan $2,794 $1,184 73.5%
Minnesota $1,346 -$264 -16.4%
Mississippi $1,928 $318 19.8%
Missouri $1,428 -$182 -11.3%
Montana $1,730 $120 7.5%
Nebraska $1,266 -$344 -21.4%
Nevada $1,930 $320 19.9%
New Hampshire $1,158 -$452 -28.1%
New Jersey $1,798 $188 11.7%
New Mexico $1,426 -$184 -11.4%
New York $1,692 $82 5.1%
North Carolina $926 -$684 -42.5%
North Dakota $1,318 -$292 -18.1%
Ohio $1,110 -$500 -31.1%
Oklahoma $1,650 $40 2.5%
Oregon $1,472 -$138 -8.6%
Pennsylvania $1,534 -$76 -4.7%
Rhode Island $2,148 $538 33.4%
South Carolina $1,458 -$152 -9.4%
South Dakota $1,356 -$254 -15.8%
Tennessee $1,408 -$202 -12.5%
Texas $1,938 $328 20.4%
Utah $1,190 -$420 -26.1%
Vermont $1,100 -$510 -31.7%
Virginia $962 -$648 -40.2%
Washington $1,242 -$368 -22.9%
West Virginia $1,474 -$136 -8.4%
Wisconsin $1,114 -$496 -30.8%
Wyoming $1,434 -$176 -10.9%

View Chart as Image

Jeep Cherokee insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $600 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.

Jeep Cherokee Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Jeep Cherokee $320 $596 $498 $1,614
2022 Jeep Cherokee $308 $582 $520 $1,610
2021 Jeep Cherokee $298 $558 $536 $1,592
2020 Jeep Cherokee $282 $538 $554 $1,574
2019 Jeep Cherokee $270 $500 $564 $1,534
2018 Jeep Cherokee $260 $470 $570 $1,500
2017 Jeep Cherokee $248 $422 $574 $1,444
2016 Jeep Cherokee $232 $388 $574 $1,394
2015 Jeep Cherokee $224 $364 $580 $1,368
2014 Jeep Cherokee $220 $340 $592 $1,352
2012 Jeep Cherokee $198 $286 $596 $1,280

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 Cheaper Jeep Cherokee Insurance

Getting lower rates on Jeep Cherokee insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and taking advantage of discounts. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data covered in the above illustrations.

  • Drivers who require more liability protection will pay around $570 per year to increase from a low limit to the 250/500 level
  • You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $600 each year
  • Youthful drivers are charged the highest prices, possibly costing $511 a month if the policy includes full coverage

Rates by Driver Age

Jeep Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $6,130
20 $3,730
30 $1,668
40 $1,610
50 $1,470
60 $1,442

Full coverage, $500 deductibles

Rates by Deductible

Jeep Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,002
$250 $1,822
$500 $1,610
$1,000 $1,408

Full coverage, driver age 40

Rates by Liability Limit

Jeep Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,610
50/100 $1,714
100/300 $1,844
250/500 $2,182
100 CSL $1,766
300 CSL $2,052
500 CSL $2,260

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Cherokee Insurance Rates for High Risk Drivers
Age Premium
16 $8,730
20 $5,938
30 $3,556
40 $3,488
50 $3,332
60 $3,298

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 $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $116
5-yr Claim Free $104
Paid in Full/EFT $71
Advance Quote $79
Online Quote $113
Total Discounts $678
Rate after discounts $932

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

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