Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

The average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive insurance costs an estimated $308, collision costs $582, and liability insurance costs around $520. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $3,488 or more. Teenage drivers cost the most to insure at $6,130 a year or more.

Average premium for full coverage: $1,610

Policy rates broken down by type of insurance:

Comprehensive $308
Collision $582
Liability $520

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Cherokee trim levels.

Price Range Variability

For the average driver, Jeep Cherokee insurance rates go from the low end price of $592 for just the minimum liability insurance to a much higher rate of $3,488 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

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

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on 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 Analysis

The chart below breaks down estimated Jeep Cherokee insurance rates for other coverage scenarios.

  • The best discount rate is $932
  • Using higher $1,000 deductibles will save approximately $202 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,610
  • Using more expensive low deductibles for physical damage coverage will cost an additional $392 a year
  • Drivers who are prone to accidents and violations could pay up to $3,488 or more
  • Policy cost that insures a teen driver with full coverage can cost as much as $6,130 or more

View Chart as Image

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

Auto insurance rates for a Jeep Cherokee also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 132% more than a normal policy. 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 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $6,100 a year. View Rates by Age

Your home state has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,290 on average in Louisiana, 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

Using high physical damage deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Cheapest Jeep Cherokee Insurance

Finding cheaper rates on Jeep Cherokee insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a recap of the information touched on above.

  • You may be able to save approximately $190 per year simply by shopping early and online
  • 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $511 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • High-risk drivers that have major violations or accidents could be charged and average of $1,880 more annually than a driver with a clean driving record
  • Drivers who want additional liability coverage will pay an extra $570 per year to increase from a 30/60 limit to the 250/500 level

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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