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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Average auto insurance rates for a Jeep Cherokee are $1,610 annually for full coverage. Comprehensive insurance costs on average $308 each year, collision costs $582, and liability coverage is $520. A policy with just liability insurance costs around $592 a year, with coverage for high-risk drivers costing $3,488 or more. 16-year-old drivers receive the highest rates at $6,130 a year or more.
Average premium for full coverage: $1,610
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Cherokee models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $592 for the bare minimum liability coverage to a high rate of $3,488 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using 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 Information
The chart below shows estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $932
- Raising to $1,000 deductibles will save around $202 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,610
- Buying low deductibles costs an additional $392 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,488 or more
- The cost with full coverage for a teenage driver may cost $6,130
Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $600 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Idaho, Maine, and Iowa, or at least $2,290 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.
| 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 Jeep Cherokee Insurance
Saving money on auto insurance consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The items below are a brief recap of the car insurance concepts raised in the charts and tables above.
- Drivers who tend to receive serious violations may be required to pay an average of $1,880 more each year to insure their Cherokee
- Drivers can save as much as $190 per year simply by quoting online in advance
- Increasing deductibles could save up to $600 each year
- Consumers who require more liability coverage will pay around $570 each year to raise from a minimum limit to higher 250/500 limits
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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