Jeep Cherokee Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Jeep Cherokee insurance

U.S. average insurance rates for a Jeep Cherokee are $1,592 a year with full coverage. Comprehensive insurance costs on average $298, collision costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing $3,450 or more. 16-year-old drivers pay the highest rates at $6,098 a year or more.

Average premium for full coverage: $1,592

Price estimates by individual coverage:

Comprehensive $298
Collision $558
Liability $536

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

Price Range from Low to High

For a driver in their 40's, Jeep Cherokee insurance prices go from the low end price of $606 for just liability insurance to a much higher rate of $3,450 for a driver who has had serious violations or accidents.

Liability Only $606
Full Coverage $1,592
High Risk $3,450

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $1,194
Small Cities $1,672
Large Cities $2,149

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location, 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.

More Rate Details

The chart below details estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $924
  • Using higher $1,000 deductibles will save around $196 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,592
  • Buying more expensive low deductibles for physical damage coverage will cost an additional $376 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,450 or more
  • The price that insures a teenage driver with full coverage may cost $6,098 or more

View Chart as Image

Jeep Cherokee insurance cost comparison chart
Column chart showing full coverage Jeep Cherokee insurance prices range from $924 to $6,098

Insurance prices for a Jeep Cherokee are also quite variable based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,000 a year. View Rates by Age

The state you live in has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $2,140 on average in Florida, Michigan, and New York.

Jeep Cherokee Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,436 -$156 -9.8%
Alaska $1,220 -$372 -23.4%
Arizona $1,318 -$274 -17.2%
Arkansas $1,592 -$0 0.0%
California $1,814 $222 13.9%
Colorado $1,518 -$74 -4.6%
Connecticut $1,634 $42 2.6%
Delaware $1,800 $208 13.1%
Florida $1,986 $394 24.7%
Georgia $1,466 -$126 -7.9%
Hawaii $1,142 -$450 -28.3%
Idaho $1,080 -$512 -32.2%
Illinois $1,186 -$406 -25.5%
Indiana $1,198 -$394 -24.7%
Iowa $1,074 -$518 -32.5%
Kansas $1,510 -$82 -5.2%
Kentucky $2,168 $576 36.2%
Louisiana $2,354 $762 47.9%
Maine $984 -$608 -38.2%
Maryland $1,312 -$280 -17.6%
Massachusetts $1,270 -$322 -20.2%
Michigan $2,760 $1,168 73.4%
Minnesota $1,332 -$260 -16.3%
Mississippi $1,904 $312 19.6%
Missouri $1,410 -$182 -11.4%
Montana $1,708 $116 7.3%
Nebraska $1,252 -$340 -21.4%
Nevada $1,906 $314 19.7%
New Hampshire $1,144 -$448 -28.1%
New Jersey $1,776 $184 11.6%
New Mexico $1,410 -$182 -11.4%
New York $1,672 $80 5.0%
North Carolina $914 -$678 -42.6%
North Dakota $1,304 -$288 -18.1%
Ohio $1,098 -$494 -31.0%
Oklahoma $1,632 $40 2.5%
Oregon $1,456 -$136 -8.5%
Pennsylvania $1,518 -$74 -4.6%
Rhode Island $2,122 $530 33.3%
South Carolina $1,440 -$152 -9.5%
South Dakota $1,342 -$250 -15.7%
Tennessee $1,392 -$200 -12.6%
Texas $1,916 $324 20.4%
Utah $1,178 -$414 -26.0%
Vermont $1,086 -$506 -31.8%
Virginia $952 -$640 -40.2%
Washington $1,228 -$364 -22.9%
West Virginia $1,458 -$134 -8.4%
Wisconsin $1,102 -$490 -30.8%
Wyoming $1,416 -$176 -11.1%

View Chart as Image

Jeep Cherokee insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $580 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different.

Jeep Cherokee Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Cherokee $298 $558 $536 $1,592
2018 Jeep Cherokee $270 $500 $564 $1,534
2017 Jeep Cherokee $260 $470 $570 $1,500
2016 Jeep Cherokee $248 $422 $574 $1,444
2015 Jeep Cherokee $232 $388 $574 $1,394
2014 Jeep Cherokee $224 $364 $580 $1,368
2012 Jeep Cherokee $202 $316 $592 $1,310

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 Low Cost Jeep Cherokee Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a review of the ideas that were covered in the charts and tables above.

  • Drivers under the age of 20 pay higher prices, costing up to $508 a month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations pay on average $1,860 more each year to insure a Jeep Cherokee
  • Increasing physical damage deductibles can save approximately $575 each year
  • You may be able to save as much as $190 per year simply by shopping early and online

Rates by Driver Age

Jeep Cherokee Insurance Rates by Driver Age
Driver Age Premium
16 $6,098
20 $3,686
30 $1,646
40 $1,592
50 $1,454
60 $1,426

Full coverage, $500 deductibles

Rates by Deductible

Jeep Cherokee Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,968
$250 $1,794
$500 $1,592
$1,000 $1,396

Full coverage, driver age 40

Rates by Liability Limit

Jeep Cherokee Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,592
50/100 $1,699
100/300 $1,833
250/500 $2,182
100 CSL $1,753
300 CSL $2,048
500 CSL $2,262

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Cherokee Insurance Rates for High Risk Drivers
Age Premium
16 $8,678
20 $5,870
30 $3,512
40 $3,450
50 $3,298
60 $3,266

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 $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $114
5-yr Claim Free $102
Paid in Full/EFT $70
Advance Quote $77
Online Quote $111
Total Discounts $668
Rate after discounts $924

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption