Jeep Cherokee Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 18, 2024
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U.S. average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive costs approximately $308, collision insurance costs $582, and liability is $520. Buying just liability costs around $592 a year, and insurance for high-risk drivers costs around $3,488. Teen drivers pay the highest rates at up to $6,130 a year.
Average premium for full coverage: $1,610
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Cherokee models.
Price Range from Low to High
For a driver in their 40's, Jeep Cherokee insurance prices range from the low end price of $592 for minimum levels of liability insurance to the much higher price of $3,488 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location, instead of making a decision based on price 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 Details
The chart below illustrates average Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $932
- Raising to $1,000 deductibles will save $202 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,610
- Choosing pricier low deductibles bumps up the cost to $2,002
- Drivers with multiple violations and an at-fault accident could pay around $3,488
- The price that insures a 16-year-old driver for full coverage can cost $6,130
Insurance prices for a Jeep Cherokee are also quite variable based on the model of your Cherokee, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 additional each year, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost from 42% to 132% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared 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 prices. A middle-age driver might find prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,170 on average in Florida, New York, and Michigan.
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% |
Choosing high deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
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 Affordable Jeep Cherokee Insurance
Getting lower rates on insurance for a Jeep Cherokee consists of being a low-risk driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The items below are a brief review of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,880 more per year to insure their Cherokee
- It is possible to save around $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $600 each year
- Insureds who purchase more liability coverage will pay about $570 annually to raise from a low limit to the 250/500 level
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,002 |
$250 | $1,822 |
$500 | $1,610 |
$1,000 | $1,408 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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