Jeep Cherokee Insurance Rates
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UPDATED: Jun 27, 2022
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Average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive insurance costs an estimated $308, collision insurance costs $582, and liability 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 receive the highest rates at up to $6,130 a year.
Average premium for full coverage: $1,610
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical 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 40-year-old driver, prices range range from as low as $592 for the bare minimum liability coverage to a much higher rate of $3,488 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of 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.
Additional Rate Information
The chart below breaks down average Jeep Cherokee insurance rates for other coverage scenarios.
- The best full coverage rate is $932
- Choosing higher $1,000 deductibles can save approximately $202 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,610
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $392 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,488
- The cost for full coverage for a teen driver with full coverage can cost as much as $6,130 each year
Car insurance rates for a Jeep Cherokee can also vary considerably based on your driver profile, the model of your Cherokee, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $6,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Cherokee insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,290 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $600 every year, while increasing your policy's liability limits will increase premiums. 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 $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance ranges as much as 42% to 132% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Jeep Cherokee | $308 | $582 | $520 | $1,610 |
| 2018 Jeep Cherokee | $282 | $538 | $554 | $1,574 |
| 2017 Jeep Cherokee | $270 | $500 | $564 | $1,534 |
| 2016 Jeep Cherokee | $260 | $470 | $570 | $1,500 |
| 2015 Jeep Cherokee | $248 | $422 | $574 | $1,444 |
| 2014 Jeep Cherokee | $232 | $388 | $574 | $1,394 |
| 2012 Jeep Cherokee | $220 | $340 | $592 | $1,352 |
| 2011 Jeep Cherokee | $202 | $316 | $592 | $1,310 |
| 2010 Jeep Cherokee | $198 | $286 | $596 | $1,280 |
| 2009 Jeep Cherokee | $184 | $262 | $592 | $1,238 |
| 2008 Jeep Cherokee | $174 | $238 | $592 | $1,204 |
| 2007 Jeep Cherokee | $168 | $214 | $586 | $1,168 |
| 2006 Jeep Cherokee | $166 | $208 | $574 | $1,148 |
| 2005 Jeep Cherokee | $162 | $198 | $564 | $1,124 |
| 2004 Jeep Cherokee | $148 | $190 | $558 | $1,096 |
| 2003 Jeep Cherokee | $144 | $180 | $554 | $1,078 |
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 the Best Cheap Jeep Cherokee Insurance
Saving money on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The items below are a quick review of the data that was touched on in this article.
- You may be able to save approximately $190 per year just by shopping early and online
- Policyholders who want more liability coverage will pay around $570 per year to raise limits from a minimum limit to 250/500 limits
- Teen drivers have the highest car insurance rates, as much as $511 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,880 more annually to insure their Cherokee
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,002 |
| $250 | $1,822 |
| $500 | $1,610 |
| $1,000 | $1,408 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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