Jeep Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2023
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The average insurance prices for a Jeep Cherokee are $1,592 every 12 months with full coverage. Comprehensive insurance costs around $298, collision costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,450 or more. Teenage drivers cost the most to insure at $6,098 a year or more.
Average premium for full coverage: $1,592
Policy rates for type of insurance:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Cherokee trim levels.
Price Range Variability
For an average driver, Jeep Cherokee insurance rates go from the cheapest price of $606 for a discount liability-only rate to a much higher rate of $3,450 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than 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.
Rates by State, City, and Model
The chart below details estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The best discount rate is $924
- Drivers who choose higher $1,000 deductibles will pay about $196 annually
- The average price for a good driver age 40 using $500 deductibles is $1,592
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $376 each year
- High-risk insureds who are prone to accidents and violations could pay at least $3,450 or more
- Policy cost to insure a teenage driver with full coverage can be $6,098 a year
Insurance rates for a Jeep Cherokee also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Using high physical damage deductibles could save up to $580 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Jeep Cherokee insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,140 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Jeep Cherokee | $308 | $582 | $520 | $1,610 |
| 2022 Jeep Cherokee | $298 | $558 | $536 | $1,592 |
| 2021 Jeep Cherokee | $282 | $538 | $554 | $1,574 |
| 2020 Jeep Cherokee | $270 | $500 | $564 | $1,534 |
| 2019 Jeep Cherokee | $260 | $470 | $570 | $1,500 |
| 2018 Jeep Cherokee | $248 | $422 | $574 | $1,444 |
| 2017 Jeep Cherokee | $232 | $388 | $574 | $1,394 |
| 2016 Jeep Cherokee | $224 | $364 | $580 | $1,368 |
| 2015 Jeep Cherokee | $220 | $340 | $592 | $1,352 |
| 2014 Jeep Cherokee | $202 | $316 | $592 | $1,310 |
| 2012 Jeep Cherokee | $184 | $262 | $592 | $1,238 |
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 Shop for Low Cost Jeep Cherokee Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by requesting rates from direct companies, and also from several local insurance agents.
The following list is a review of the car insurance concepts covered in the above illustrations.
- Drivers who have several accidents or serious violations pay on average $1,860 more every year than a safer driver
- You may be able to save up to $190 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Consumers who may need an increased level of liability coverage will pay an extra $590 every year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,968 |
| $250 | $1,794 |
| $500 | $1,592 |
| $1,000 | $1,396 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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