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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Estimated insurance rates for a Jeep Cherokee are $1,592 a year for full coverage. Comprehensive costs approximately $298, collision insurance costs $558, and liability coverage is $536. A liability-only policy costs around $606 a year, and high-risk insurance costs around $3,450. Teenage drivers pay the most at up to $6,098 a year.
Average premium for full coverage: $1,592
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Cherokee models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jeep Cherokee range from the low end price of $606 for a discount liability-only rate to the much higher price of $3,450 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location, rather than using average rates.
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.
Rates by State, City, and Model
The chart below shows average Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The best discount rate is $924
- Raising to $1,000 deductibles will save $196 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,592
- Using pricier low deductibles bumps up the cost to $1,968
- Unlucky drivers who are prone to accidents and violations could pay around $3,450
- An auto insurance policy that insures a teenage driver for full coverage can cost $6,098
Auto insurance prices for a Jeep Cherokee also have a wide range based on the model of your Cherokee, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,000 a year. View Rates by Age
Where you choose to live 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 be forced to pay as much as $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% |
Using high physical damage deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit
| 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 Find the Right Jeep Cherokee Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.
Below is a quick rundown of the information touched on in the above illustrations.
- Drivers can save around $190 per year just by quoting online well ahead of the renewal date
- Teenage drivers have the highest car insurance prices, as much as $508 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $575 each year
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,860 more per year for auto insurance
- Consumers who purchase higher levels of liability will pay an extra $590 each year to raise from 30/60 bodily injury limits to the 250/500 level
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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