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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U.S. average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage. Comprehensive costs on average $308 each year, collision costs $582, and liability is $520. Liability-only insurance costs around $592 a year, with high-risk driver insurance costing around $3,488. 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:
Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Cherokee models.
Price Range from Low to High
For a driver in their 40's, Jeep Cherokee insurance prices go from the low end price of $592 for a discount liability-only rate to a high rate of $3,488 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than congested cities.
The graphic below illustrates how location helps determine car insurance rates.
The ranges above show why all drivers should compare rates quotes based on a specific location, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $932
- Raising to $1,000 deductibles will save around $202 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,610
- Buying low deductibles bumps up the cost to $2,002
- Drivers with multiple tickets or accidents could pay upwards of $3,488 or more
- The price that insures a 16-year-old driver may cost $6,130
Car insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 132% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $6,100 a year. View Rates by Age
The state you live in also has a big influence on Jeep Cherokee insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or at least $2,290 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $600 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different.
| 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 More Affordable Jeep Cherokee Insurance
Getting lower rates on insurance for a Jeep Cherokee consists of being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a summary of the information covered in the charts and tables above.
- Drivers can save as much as $190 per year simply by quoting online in advance
- Teen drivers are expensive to insure, with premiums as much as $511 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $600 each year
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,880 more each year to insure their Cherokee
- Insureds who require more liability coverage will pay around $570 each year to raise from a low limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,002 |
| $250 | $1,822 |
| $500 | $1,610 |
| $1,000 | $1,408 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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