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 including full coverage. Comprehensive insurance costs on average $308 each year, collision insurance costs $582, and liability insurance is estimated at $520. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $3,488 or more. 16-year-old drivers cost the most to insure at up to $6,130 a year.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

Comprehensive $308
Collision $582
Liability $520

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee models.

Price Range Variability

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

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

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

The examples above highlight why all drivers should get quotes based on a specific location, rather than relying 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.

Additional Rate Analysis

The chart below breaks down average Jeep Cherokee insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $932
  • Choosing higher $1,000 deductibles can save around $202 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,610
  • Buying low deductibles for comp and collision coverage will cost an additional $392 a year
  • High-risk insureds with multiple tickets or accidents could pay upwards of $3,488
  • Policy cost that insures a teen driver may cost $6,130 each year

View Chart as Image

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

Insurance rates for a Jeep Cherokee also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards 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 $1,230 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,290 on average in Michigan, New York, and Louisiana.

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 can save as much as $600 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on Jeep Cherokee insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the primary concepts that were covered in the charts and tables above.

  • You may be able to save as much as $190 per year just by quoting online in advance
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,880 more each year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • Teenagers pay higher rates, with premiums being up to $511 each month if comprehensive and collision insurance is included

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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