Jeep Cherokee Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated auto insurance rates for a Jeep Cherokee are $1,592 annually for full coverage insurance. Comprehensive insurance costs an estimated $298 a year, collision insurance costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance costs $3,450 or more. Teenage drivers pay the most at up to $6,098 a year.
Average premium for full coverage: $1,592
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Cherokee trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Jeep Cherokee range from as cheap as $606 for basic liability insurance to a high of $3,450 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.
These rate differences illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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.
Rate Comparisons
The chart below illustrates average Jeep Cherokee insurance rates for other coverage scenarios.
- The best discount rate is $924
- Drivers who choose higher $1,000 deductibles will pay approximately $1,396 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,592
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $376 annually
- Drivers who are prone to accidents and violations could pay up to $3,450
- An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $6,098 a year
Auto insurance prices for a Jeep Cherokee also have a wide range based on the model of your Cherokee, your risk profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $580 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.
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% |
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 Buy More Affordable Jeep Cherokee Insurance
Finding better rates on insurance for a Jeep Cherokee not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a summary of the material that was illustrated above.
- Insureds who want more liability protection will pay an extra $590 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are the costliest to insure, with premiums being up to $508 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,860 more annually than a low-risk driver
- Increasing policy deductibles could save up to $575 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area