Jeep Cherokee Insurance Rates

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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 costs approximately $308 a year, collision insurance costs $582, and liability is $520. Liability-only coverage costs around $592 a year, and high-risk coverage costs around $3,488. 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

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cherokee trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $592 for just the minimum liability insurance to a high of $3,488 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance prices.

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

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, instead of 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.

Additional Rate Analysis

The chart below breaks down average Jeep Cherokee insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $932
  • Raising to $1,000 deductibles will save $1,408 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,610
  • Selecting low $100 deductibles will increase the cost to $2,002
  • At-risk drivers with serious driving violations could pay around $3,488
  • The cost for full coverage for a teen driver can cost $6,130

View Chart as Image

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

Car insurance rates for a Jeep Cherokee can also vary considerably based on your driver profile, the model of your Cherokee, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $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 $1,230 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,290 on average in Louisiana, New York, and Michigan.

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 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 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 Cheaper Jeep Cherokee Insurance

Saving money on car insurance consists of being a good driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates every year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following list is a condensed summary of the coverage data covered in the charts and tables above.

  • You may be able to save around $190 per year just by quoting early and online
  • Increasing deductibles can save around $600 each year
  • Drivers age 16 to 20 pay the highest auto insurance rates, as much as $511 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,880 more per year than a safer driver

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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