Jeep Cherokee Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Jeep Cherokee are $1,592 every 12 months including full coverage. Comprehensive costs around $298, collision costs $558, and liability insurance costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing around $3,450. 16-year-old drivers cost the most to insure at $6,098 a year or more.
Average premium for full coverage: $1,592
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Cherokee models.
Price Range Variability
For a 40-year-old driver, Jeep Cherokee insurance rates go from the cheapest price of $606 for basic liability insurance to the much higher price of $3,450 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how your location can change auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own driving history, 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.
Rate Comparisons
The chart below breaks down 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 every year
- The average price for a good driver age 40 using $500 deductibles is $1,592
- Buying pricier low deductibles for physical damage coverage increases the price to $1,968
- Drivers with multiple tickets or accidents could pay at least $3,450 or more
- Policy cost to insure a teen driver for full coverage can be $6,098 or more
Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $580 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,900 to $2,600 extra every year, depending on your age. Jeep Cherokee insurance for high-risk drivers can be anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,270 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates will be varied.
| 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 Shop for Cheap Jeep Cherokee Insurance
Finding cheaper rates on Jeep Cherokee insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a brief summary of the car insurance concepts illustrated above.
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,860 more every year than a driver with a clean driving record
- You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Drivers who may need additional liability coverage will pay around $590 per year to increase from a 30/60 limit to a 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
