Jeep Cherokee Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Jeep Cherokee insurance

Average auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive costs an estimated $298, collision insurance costs $558, and liability costs $536. Liability-only coverage costs as little as $606 a year, and high-risk coverage costs around $3,450. Teen drivers receive the highest rates at up to $6,098 a year.

Average premium for full coverage: $1,592

Rate estimates broken down by individual coverage type:

Comprehensive $298
Collision $558
Liability $536

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Cherokee trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $606 for minimum levels of liability insurance to a much higher rate of $3,450 for a driver who has had serious violations or accidents.

Liability Only $606
Full Coverage $1,592
High Risk $3,450

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $1,194
Small Cities $1,672
Large Cities $2,149

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price 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 Details

The chart below shows average Jeep Cherokee insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $924
  • Drivers who choose higher $1,000 deductibles will pay approximately $196 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,592
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,968
  • Drivers with multiple violations and an at-fault accident could pay up to $3,450
  • The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $6,098 a year

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing Jeep Cherokee insurance rates range from $924 to $6,098 for full coverage

Car insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $6,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $580 annually, while increasing your policy's liability limits will increase premiums. Going 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 makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Iowa, Maine, and Idaho, or as much as $2,270 on average in New York, Louisiana, and Michigan.

Jeep Cherokee Insurance Rates by State
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%

View Chart as Image

Jeep Cherokee insurance rates by U.S. city
Jeep Cherokee Insurance Rates by Model Year
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 Cheap Jeep Cherokee Insurance

Saving money on insurance for a Jeep Cherokee not only requires having a good driving record, but also having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief summary of the ideas that were covered in the charts and tables above.

  • Drivers age 20 and younger have the highest car insurance rates, costing as high as $508 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,860 more annually to buy Jeep Cherokee insurance
  • Increasing deductibles could save up to $575 each year
  • Drivers can save approximately $190 per year just by shopping early and online

Rates by Driver Age

Jeep Cherokee Insurance 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

Jeep Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,968
$250 $1,794
$500 $1,592
$1,000 $1,396

Full coverage, driver age 40

Rates by Liability Limit

Jeep Cherokee Insurance Rates with Different Liability Limits
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

Jeep Cherokee Insurance 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.

SR-22 Surcharge $223

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
Rate after discounts $924

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

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