Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

U.S. average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage. Comprehensive costs approximately $308 each year, collision insurance costs $582, and liability insurance is $520. A policy with just liability insurance costs around $592 a year, and coverage for high-risk drivers costs around $3,488. 16-year-old drivers pay the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Comprehensive $308
Collision $582
Liability $520

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Cherokee models.

Price Range from Low to High

For the average 40-year-old driver, Jeep Cherokee insurance prices range from as low as $592 for just the minimum liability insurance to a high rate of $3,488 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

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

The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, 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.

Additional Rate Analysis

The chart below shows average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $932
  • Raising to $1,000 deductibles will save $202 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,610
  • Buying low deductibles will increase the cost to $2,002
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,488
  • The price for full coverage for a teen driver can cost $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 are also quite variable based on your driving record, the trim level of your Cherokee, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, 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 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 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 Cheapest Jeep Cherokee Insurance

Getting lower rates on Jeep Cherokee insurance consists of having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a recap of the ideas that were touched on in this article.

  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $511 a month for full coverage
  • High-risk drivers that have major violations or accidents may pay on average $1,880 more per year than a driver with a clean driving record
  • Increasing physical damage deductibles can save around $600 each year
  • Drivers can save around $190 per year just by quoting online in advance

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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