Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

U.S. average auto insurance rates for a Jeep Cherokee are $1,610 annually with full coverage. Comprehensive costs around $308, collision costs $582, and liability costs $520. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing around $3,488. Teenage drivers pay the highest rates at $6,130 a year or more.

Average premium for full coverage: $1,610

Price estimates for individual coverage:

Comprehensive $308
Collision $582
Liability $520

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Cherokee models.

Price Range from Low to High

For the normal driver, Jeep Cherokee insurance prices go from as cheap as $592 for minimum levels of liability insurance to the much higher price of $3,488 for high-risk insurance.

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

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance rates.

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

The ranges above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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 Details

The chart below details estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $932
  • Drivers who choose higher $1,000 deductibles will pay about $202 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,610
  • Using pricier low deductibles for comprehensive and collision insurance will cost $2,002
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,488 or more
  • The price with full coverage for a teen driver for full coverage can be $6,130 a year

View Chart as Image

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

Insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,900 to $2,600 extra each year, depending on your age. Jeep Cherokee insurance for high-risk drivers can cost as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,170 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy the Best Cheap Jeep Cherokee Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a quick review of the material that was presented in the illustrations above.

  • Policyholders who may need higher liability limits will pay an extra $570 every year to go from a low limit to higher 250/500 limits
  • Teenagers pay higher prices, costing up to $511 a month including comprehensive and collision insurance
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,880 more every year for car insurance
  • Increasing physical damage deductibles could save up to $600 each year

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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