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 including full coverage. Comprehensive insurance costs on average $308, collision insurance costs $582, and liability coverage costs around $520. A policy with just liability insurance costs as low as $592 a year, and coverage for high-risk drivers costs $3,488 or more. Teens receive the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Rate estimates by individual coverage type:

Comprehensive $308
Collision $582
Liability $520

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Cherokee trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $592 for basic liability insurance to a much higher rate of $3,488 for a driver who has had serious violations or accidents.

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

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts car insurance rates.

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

These examples highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using 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.

Rate Comparisons

The chart below breaks down average 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 $202 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,610
  • Selecting more expensive low deductibles for physical damage coverage will cost an extra $392 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,488
  • The cost for full coverage for a teenage driver with full coverage may cost $6,130 or more

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 can also vary considerably based on your driver profile, the model of your Cherokee, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

Where you live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or have to pay 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can be around 42% to 132% more than the average policy. View High Risk Driver Rates

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

Saving money on auto insurance requires being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a brief summary of the ideas that were touched on above.

  • Drivers age 16 to 20 pay higher rates, as much as $511 per month including comprehensive and collision insurance
  • Drivers that tend to have accidents or serious violations may pay on average $1,880 more each year than a safer driver
  • Increasing deductibles can save around $600 each year
  • You may be able to save as much as $190 per year just by shopping early and online

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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