Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

Average insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage. Comprehensive costs an estimated $308, collision insurance costs $582, and liability costs around $520. Buying just liability costs as low as $592 a year, and insurance for high-risk drivers costs around $3,488. Teen drivers receive the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Rate estimates broken down by individual coverage type:

Comprehensive $308
Collision $582
Liability $520

Estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Cherokee models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $592 for just liability insurance to the much higher price of $3,488 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates how location helps determine insurance prices.

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

These examples show why everyone should compare prices for a targeted area and their own driving history, 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.

More Rate Details

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

  • The lowest rate with discounts is $932
  • Using higher $1,000 deductibles will save approximately $202 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,610
  • Choosing pricier low deductibles for physical damage coverage increases the price to $2,002
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,488
  • The cost to insure a 16-year-old driver for full coverage can cost as much as $6,130 or more

View Chart as Image

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

Auto insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $600 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,900 to $2,600 in extra premium per year, depending on your age. Jeep Cherokee insurance for high-risk drivers can be from 42% to 132% more than average. View High Risk Driver Rates

Where you live has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,290 on average in New York, Louisiana, and Michigan.

Jeep Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,454 -$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
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 Shop for Low Cost Jeep Cherokee Insurance

Saving money on insurance for a Jeep Cherokee requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the data that was covered in the charts and tables above.

  • Drivers can save approximately $190 per year just by quoting online well ahead of the renewal date
  • Insureds who want higher liability limits will pay about $570 each year to increase from a minimum limit to a 250/500 level
  • Teens are the costliest to insure, costing as high as $511 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,880 more annually for Cherokee insurance

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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