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 auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage. Comprehensive costs approximately $298 a year, collision costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing around $3,450. Teens pay the highest rates at $6,098 a year or more.
Average premium for full coverage: $1,592
Price estimates by individual coverage:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Cherokee trim levels.
Price Range from Low to High
For a 40-year-old driver, Jeep Cherokee insurance prices go from as cheap as $606 for just liability insurance to a high of $3,450 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
The ranges above show why it is important to compare prices using their specific location and their own personal driving habits, instead of using averaged prices.
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 estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $924
- Using higher $1,000 deductibles will save $1,396 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,592
- Selecting low $100 deductibles for physical damage coverage will cost $1,968
- Drivers with serious driving violations could pay around $3,450 or more
- The price with full coverage for a teen driver can cost $6,098 or more
Car insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $580 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.
| 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 Buy Cheap Jeep Cherokee Insurance
Getting lower rates on car insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief summary of the information illustrated above.
- Drivers can save around $190 per year simply by quoting early and online
- Teen drivers pay the highest auto insurance prices, with premiums as much as $508 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $575 each year
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,860 more per year to insure their Cherokee
- Policyholders who purchase more liability coverage will pay approximately $590 each year to increase from a low limit to higher 250/500 limits
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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