Jeep Cherokee Insurance Rates
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UPDATED: May 27, 2023
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Average insurance rates for a Jeep Cherokee are $1,614 a year for full coverage. Comprehensive insurance costs an estimated $320 each year, collision insurance costs $596, and liability insurance is estimated at $498. A liability-only policy costs approximately $574 a year, and high-risk insurance costs $3,492 or more. Teen drivers receive the highest rates at up to $6,104 a year.
Average premium for full coverage: $1,614
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Cherokee models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $574 for minimum levels of liability insurance to a high rate of $3,492 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
These examples show why all drivers should get quotes for a targeted area, rather than relying on price 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 Details
The chart below shows average Jeep Cherokee insurance rates for other coverage scenarios.
- The lowest rate with discounts is $935
- Choosing higher $1,000 deductibles can save approximately $210 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,614
- Choosing low deductibles for comp and collision coverage will cost an additional $404 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,492
- The cost that insures a teen driver can cost as much as $6,104 each year
Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Cherokee insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, and Michigan.
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% |
Choosing high deductibles can save as much as $620 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $448 more per year. 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 the Best Jeep Cherokee Insurance
Saving money on Jeep Cherokee insurance takes not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Shop around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief recap of the material that was presented in the illustrations above.
- Drivers who want higher liability limits will pay about $550 each year to raise limits from a minimum limit to the 250/500 level
- Teens are charged the highest rates, costing as high as $509 per month if full coverage is included
- High-risk drivers who tend to receive serious violations may pay on average $1,880 more annually for Cherokee insurance
- Increasing deductibles can save approximately $625 each year
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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