Jeep Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 18, 2024
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Estimated insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage. Comprehensive costs approximately $308, collision costs $582, and liability coverage costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $3,488. 16-year-old drivers pay the most at $6,130 a year or more.
Average premium for full coverage: $1,610
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Cherokee trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jeep Cherokee go from the cheapest price of $592 for liability-only coverage to a much higher rate of $3,488 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using 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.
Additional Charts and Tables
The chart below shows estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $932
- Drivers who choose higher $1,000 deductibles will pay $202 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,610
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $2,002
- High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
- An auto insurance policy to insure a teenage driver with full coverage can cost $6,130 a year
Insurance prices for a Jeep Cherokee also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Cherokee.
Opting for high physical damage deductibles could save up to $600 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance can cost around 42% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, and Michigan.
| 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially different.
| 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 Shop for Low Cost Jeep Cherokee Insurance
Finding better rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a review of the coverage data touched on in the above illustrations.
- Drivers can save around $190 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $600 each year
- Drivers age 20 and younger are the costliest to insure, as much as $511 per month if full coverage is included
- Drivers who have several accidents or serious violations may pay on average $1,880 more per year to buy Jeep Cherokee insurance
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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