Jeep Cherokee Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Jeep Cherokee are $1,592 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $298 a year, collision costs $558, and liability insurance is $536. Liability-only coverage costs around $606 a year, with high-risk coverage costing $3,450 or more. 16-year-old drivers cost the most to insure at $6,098 a year or more.
Average premium for full coverage: $1,592
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cherokee trim levels.
Price Range Variability
For the average 40-year-old driver, Jeep Cherokee insurance rates go from the cheapest price of $606 for basic liability insurance to a high of $3,450 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.
The diagram below illustrates the difference location can make on insurance prices.
The examples above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying 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.
Rate Comparisons
The chart below illustrates estimated Jeep Cherokee insurance rates for other coverage scenarios.
- The best full coverage rate is $924
- Raising to $1,000 deductibles will save approximately $1,396 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,592
- Buying low $100 deductibles costs an extra $376 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,450 or more
- Policy cost to insure a teen driver can cost as much as $6,098
Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $580 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,140 on average in Florida, New York, 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.
| 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 Shop for Affordable Jeep Cherokee Insurance
Finding cheaper rates on Jeep Cherokee insurance consists of being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The following list is a brief review of the data that was touched on in this article.
- It is possible to save approximately $190 per year simply by quoting early and online
- Drivers who want an increased level of liability coverage will pay around $590 annually to raise from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, possibly costing $508 each month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,860 more annually than a safer driver
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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