Jeep Cherokee Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive costs around $298, collision costs $558, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing around $3,450. 16-year-old drivers pay the highest rates at $6,098 a year or more.
Average premium for full coverage: $1,592
Price estimates for individual coverage:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Cherokee trim levels.
Price Range from Low to High
For an average driver, Jeep Cherokee insurance prices go from the low end price of $606 for just liability insurance to a much higher rate of $3,450 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, 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.
More Rate Details
The chart below details estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $924
- Drivers who choose higher $1,000 deductibles will pay about $196 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,592
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,968
- High risk drivers with multiple tickets or accidents could pay at least $3,450 or more
- The price that insures a teen driver with full coverage can be $6,098 a year
Auto insurance prices for a Jeep Cherokee are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $6,000 a year. View Rates by Age
The state you live in makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $2,140 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $580 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Every company utilizes a different rate formula, and quoted prices may be quite different.
| 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 Find the Right Jeep Cherokee Insurance
Getting lower rates on Jeep Cherokee insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a quick rundown of the information covered in the above illustrations.
- You may be able to save up to $190 per year simply by shopping early and online
- Teenagers are expensive to insure, costing up to $508 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $575 each year
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,860 more every year for car insurance
- Drivers who may need higher liability limits will pay around $590 every year to go from a low limit to the 250/500 level
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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