Jeep Cherokee Insurance Rates
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UPDATED: May 18, 2024
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Average auto insurance rates for a Jeep Cherokee are $1,610 annually for full coverage insurance. Comprehensive insurance costs on average $308 a year, collision costs $582, and liability costs around $520. A policy with just liability insurance costs as low as $592 a year, with coverage for high-risk drivers costing $3,488 or more. Teens receive the highest rates at $6,130 a year or more.
Average premium for full coverage: $1,610
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Cherokee trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $592 for just the minimum liability insurance to a high of $3,488 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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 Analysis
The chart below illustrates estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $932
- Using higher $1,000 deductibles will save around $1,408 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,610
- Selecting low $100 deductibles for physical damage coverage costs an additional $392 annually
- High-risk insureds with serious driving violations could pay upwards of $3,488 or more
- The cost with full coverage for a 16-year-old driver may cost $6,130 or more
Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your risk profile, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Rates are much higher 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 are probably paying at a minimum $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 annually, while buying higher liability limits will cost you more. Switching 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 has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,170 on average in Michigan, New York, and Florida.
| 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 figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates rates differently, 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 Cheapest Jeep Cherokee Insurance
Saving money on insurance for a Jeep Cherokee requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a recap of the information raised in the charts and tables above.
- It is possible to save as much as $190 per year simply by quoting early and online
- Youthful drivers pay higher rates, costing up to $511 per month if they have full coverage
- Increasing deductibles could save up to $600 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,880 more each year than a low-risk driver
- Insureds who require more liability protection will pay approximately $570 annually to increase 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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