Jeep Cherokee Insurance Rates

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UPDATED: May 27, 2023

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Jeep Cherokee insurance

The average insurance rates for a Jeep Cherokee are $1,610 a year including full coverage. Comprehensive insurance costs approximately $308 each year, collision costs $582, and liability coverage is $520. A liability-only policy costs around $592 a year, with high-risk insurance costing $3,488 or more. Teenage drivers cost the most to insure at $6,130 a year or more.

Average premium for full coverage: $1,610

Policy rates by type of insurance:

Comprehensive $308
Collision $582
Liability $520

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cherokee models.

Price Range Variability

For a driver around age 40, Jeep Cherokee insurance rates go from as low as $592 for just the minimum liability insurance to a high rate of $3,488 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, 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.

Additional Rate Analysis

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

  • The best discount rate is $932
  • Raising to $1,000 deductibles will save $202 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,610
  • Using low deductibles will cost an extra $392 each year
  • Unlucky drivers who are prone to accidents and violations could pay around $3,488 or more
  • Policy cost for full coverage for a teenage driver can cost $6,130

View Chart as Image

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

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

More mature drivers with no driving violations and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $6,100 a year. View Rates by Age

Your home state also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $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

Using high physical damage deductibles can reduce rates by up to $600 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 the Right Jeep Cherokee Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick rundown of the concepts that were covered above.

  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,880 more per year for Cherokee insurance
  • Teens pay the highest auto insurance rates, with premiums being up to $511 each month if full coverage is included
  • You may be able to save around $190 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $600 each year
  • You may be able to save around $190 per year simply by quoting online in advance

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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