Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

Estimated insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive costs an estimated $308, collision insurance costs $582, and liability is $520. Liability-only coverage costs around $592 a year, and high-risk coverage costs around $3,488. 16-year-old drivers pay the most at up to $6,130 a year.

Average premium for full coverage: $1,610

Premium estimates broken down by type of coverage:

Comprehensive $308
Collision $582
Liability $520

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Cherokee models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Jeep Cherokee range from as low as $592 for the bare minimum liability coverage to the much higher price of $3,488 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The example below illustrates how location helps determine insurance prices.

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

These rate differences illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of using 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.

Additional Rate Information

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

  • The best full coverage rate is $932
  • Raising to $1,000 deductibles will save approximately $202 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,610
  • Buying pricier low deductibles will increase the cost to $2,002
  • At-risk drivers with multiple tickets or accidents could pay up to $3,488
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $6,130

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

Insurance prices for a Jeep Cherokee also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age

Where you choose to live also has a big influence on Jeep Cherokee insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,170 on average in Florida, New York, 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

Opting for high physical damage deductibles can reduce prices by up to $600 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,900 to $2,600 extra annually, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost as much as 42% to 132% more than the average rate. View High Risk Driver Rates

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 Find the Right Jeep Cherokee Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the data covered in the charts and tables above.

  • Policyholders who want increased liability limits will pay around $570 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • It is possible to save approximately $190 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $600 each year
  • Drivers under the age of 20 are charged the highest prices, with premiums being up to $511 per month for full coverage

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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