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 for full coverage. Comprehensive insurance costs on average $308 each year, collision costs $582, and liability costs $520. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing $3,488 or more. Teenage 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

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Cherokee models.

Price Range from Low to High

For an average driver, Jeep Cherokee insurance prices go from the low end price of $592 for the bare minimum liability coverage to a high rate of $3,488 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

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

The ranges above show why all drivers should compare rates based on a specific location, 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.

Additional Rate Information

The chart below shows estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.

  • The best discount rate is $932
  • Drivers who choose higher $1,000 deductibles will pay around $202 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,610
  • Using low deductibles for comprehensive and collision insurance will cost an additional $392 annually
  • Drivers who are prone to accidents and violations could pay upwards of $3,488 or more
  • The price that insures a 16-year-old driver may cost $6,130 a 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

Auto insurance prices for a Jeep Cherokee are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 42% to 132% more than a normal policy. 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 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Jeep Cherokee insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,290 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles could save up to $600 annually, whereas increasing liability limits will cost you more. Going 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 only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, 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 Cheaper Jeep Cherokee Insurance

Getting lower rates on insurance for a Jeep Cherokee not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,880 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $511 a month if the policy includes full coverage
  • Drivers can save as much as $190 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $600 each year
  • Drivers can save as much as $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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