Jeep Cherokee Insurance Rates
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UPDATED: May 18, 2024
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U.S. average insurance rates for a Jeep Cherokee are $1,614 a year including full coverage. Comprehensive insurance costs around $320, collision insurance costs $596, and liability is $498. Liability-only insurance costs around $574 a year, and high-risk driver insurance costs $3,492 or more. Teenage drivers pay the highest rates at up to $6,104 a year.
Average premium for full coverage: $1,614
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Cherokee trim levels.
Price Range from Low to High
For the average driver, Jeep Cherokee insurance prices range from the low end price of $574 for minimum levels of liability insurance to a much higher rate of $3,492 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using average rates.
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 Details
The chart below breaks down average Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The best discount rate is $935
- Raising to $1,000 deductibles will save about $210 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,614
- Using more expensive low deductibles will cost an additional $404 every year
- At-risk drivers who are prone to accidents and violations could pay at least $3,492
- The price that insures a teen driver with full coverage can be $6,104
Car insurance prices for a Jeep Cherokee are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age
The state you live in also has a big influence on Jeep Cherokee insurance prices. A middle-age driver might find prices as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,456 | -$158 | -9.8% |
| Alaska | $1,234 | -$380 | -23.5% |
| Arizona | $1,336 | -$278 | -17.2% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,838 | $224 | 13.9% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,656 | $42 | 2.6% |
| Delaware | $1,826 | $212 | 13.1% |
| Florida | $2,012 | $398 | 24.7% |
| Georgia | $1,486 | -$128 | -7.9% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,094 | -$520 | -32.2% |
| Illinois | $1,202 | -$412 | -25.5% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,386 | $772 | 47.8% |
| Maine | $996 | -$618 | -38.3% |
| Maryland | $1,332 | -$282 | -17.5% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,800 | $1,186 | 73.5% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,930 | $316 | 19.6% |
| Missouri | $1,432 | -$182 | -11.3% |
| Montana | $1,734 | $120 | 7.4% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,932 | $318 | 19.7% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,800 | $186 | 11.5% |
| New Mexico | $1,428 | -$186 | -11.5% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $928 | -$686 | -42.5% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,476 | -$138 | -8.6% |
| Pennsylvania | $1,538 | -$76 | -4.7% |
| Rhode Island | $2,150 | $536 | 33.2% |
| South Carolina | $1,462 | -$152 | -9.4% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,942 | $328 | 20.3% |
| Utah | $1,194 | -$420 | -26.0% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,244 | -$370 | -22.9% |
| West Virginia | $1,476 | -$138 | -8.6% |
| Wisconsin | $1,114 | -$500 | -31.0% |
| Wyoming | $1,436 | -$178 | -11.0% |
Using high physical damage deductibles can reduce prices by up to $620 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $448 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Jeep Cherokee | $332 | $600 | $488 | $1,620 |
| 2022 Jeep Cherokee | $320 | $596 | $498 | $1,614 |
| 2021 Jeep Cherokee | $308 | $582 | $520 | $1,610 |
| 2020 Jeep Cherokee | $298 | $558 | $536 | $1,592 |
| 2019 Jeep Cherokee | $282 | $538 | $554 | $1,574 |
| 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 Cheaper Jeep Cherokee Insurance
Getting lower rates on car insurance consists of having a decent driving record, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a condensed summary of the data touched on above.
- Policyholders who may need additional liability coverage will pay an extra $550 per year to raise from a low limit to the 250/500 level
- You may be able to save up to $190 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $625 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $509 a month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,104 |
| 20 | $3,734 |
| 30 | $1,674 |
| 40 | $1,614 |
| 50 | $1,472 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,018 |
| $250 | $1,830 |
| $500 | $1,614 |
| $1,000 | $1,404 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,714 |
| 100/300 | $1,838 |
| 250/500 | $2,162 |
| 100 CSL | $1,763 |
| 300 CSL | $2,037 |
| 500 CSL | $2,237 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,690 |
| 20 | $5,936 |
| 30 | $3,562 |
| 40 | $3,492 |
| 50 | $3,334 |
| 60 | $3,302 |
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 | $24 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $72 |
| Advance Quote | $79 |
| Online Quote | $113 |
| Total Discounts | $679 |
Discounts are estimated and may not be available from every company or in every state.
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