Jeep Cherokee Insurance Rates

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2023 Jeep Cherokee Insurance Quotes in 2025 – 10 Ideas for Best Rates

Trying to find lower car insurance rates for your Jeep Cherokee? Are you a victim of overpriced car insurance? It's a common feeling and many drivers feel the same as you. Many insurance companies vie to insure your vehicles, so it can be very hard to choose a provider to discover the definitive lowest cost out there. If you have a current insurance policy or need a new policy, you will benefit by...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 18, 2024

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Jeep Cherokee insurance

Average insurance rates for a Jeep Cherokee are $1,610 a year with full coverage. Comprehensive costs around $308, collision costs $582, and liability is $520. Liability-only coverage costs around $592 a year, with high-risk coverage costing around $3,488. Teens receive the highest rates at $6,130 a year or more.

Average premium for full coverage: $1,610

Rate estimates for individual coverage type:

Comprehensive $308
Collision $582
Liability $520

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Cherokee trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the low end price of $592 for just liability coverage to a much higher rate of $3,488 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.

Detailed Rate Analysis

The chart below details estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $932
  • Raising to $1,000 deductibles will save about $202 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,610
  • Selecting more expensive low deductibles bumps up the cost to $2,002
  • Drivers with serious driving violations could pay at least $3,488 or more
  • The cost that insures a 16-year-old driver with full coverage can be $6,130

View Chart as Image

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

Car insurance rates for a Jeep Cherokee can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 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 pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

Where you live also has a big influence on Jeep Cherokee insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,170 on average in Florida, Michigan, 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

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

With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes can be significantly 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 More Affordable Jeep Cherokee Insurance

Saving money on insurance for a Jeep Cherokee consists of being a good driver, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data presented in the illustrations above.

  • Insureds who may need an increased level of liability coverage will pay approximately $570 every year to raise from a minimum limit to the 250/500 level
  • You may be able to save up to $190 per year simply by shopping early and online
  • Increasing deductibles can save approximately $600 each year
  • Drivers age 16 to 20 are the costliest to insure, with premiums as much as $511 per month if full coverage is purchased

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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