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 including full coverage. Comprehensive costs approximately $308 each year, collision costs $582, and liability costs around $520. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing around $3,488. 16-year-old drivers pay the highest rates at $6,130 a year or more.

Average premium for full coverage: $1,610

Price estimates by individual coverage:

Comprehensive $308
Collision $582
Liability $520

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Cherokee models.

Price Range from Low to High

For the average 40-year-old driver, Jeep Cherokee insurance prices go from the low end price of $592 for just liability coverage 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

Where you live can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision 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 highlight why all drivers should compare prices using their specific location, instead of making a decision based 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.

Detailed Rate Analysis

The chart below breaks down estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $932
  • Using higher $1,000 deductibles will save $202 every year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,610
  • Buying low deductibles for physical damage coverage bumps up the cost to $2,002
  • High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
  • The price that insures a 16-year-old driver can cost $6,130 or more

View Chart as Image

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

Auto insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 42% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see prices as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or at least $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

Opting for high physical damage deductibles could cut prices by as much as $600 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.

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 Cheap Jeep Cherokee Insurance

Getting lower rates on insurance for a Jeep Cherokee requires being a good driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every other policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief summary of the ideas that were touched on in this article.

  • Drivers age 16 to 20 have the highest car insurance prices, possibly costing $511 a month if the policy includes full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,880 more per year than a safer driver
  • Increasing physical damage deductibles can save approximately $600 each year
  • You may be able to save around $190 per year simply 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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