Jeep Cherokee Insurance Rates

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

The average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive insurance costs approximately $308, collision costs $582, and liability coverage is estimated at $520. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $3,488 or more. Teens cost the most to insure at $6,130 a year or more.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

Comprehensive $308
Collision $582
Liability $520

Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Cherokee trim levels.

Price Range Variability

For a driver in their 40's, Jeep Cherokee insurance rates go from the low end price of $592 for minimum levels of liability insurance to a much higher rate of $3,488 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than using averaged prices.

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 estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $932
  • Choosing higher $1,000 deductibles can save $202 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,610
  • Selecting more expensive low deductibles for comp and collision coverage will cost an additional $392 each year
  • Drivers with serious driving violations could pay around $3,488 or more
  • Policy cost that insures a teenage driver with full coverage can cost $6,130 each year

View Chart as Image

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

Car insurance rates for a Jeep Cherokee also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,170 on average in Florida, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied.

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 Low Cost Jeep Cherokee Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a review of the material that was covered in the charts and tables above.

  • Consumers who purchase increased levels of liability coverage will pay approximately $570 annually to raise limits from a 30/60 limit to the 250/500 level
  • Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $511 each month if full coverage is purchased
  • Drivers who have several accidents or serious violations could be charged and average of $1,880 more per year to buy Jeep Cherokee insurance
  • Increasing comprehensive and collision deductibles can save approximately $600 each year

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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