Jeep Cherokee Insurance Rates
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UPDATED: May 27, 2023
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The average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive costs around $308, collision costs $582, and liability costs around $520. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing around $3,488. Teenage drivers cost the most to insure at $6,130 a year or more.
Average premium for full coverage: $1,610
Policy rates for type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Cherokee models.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Cherokee insurance rates go from the low end price of $592 for your basic liability-only policy to the much higher price of $3,488 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why everyone should compare prices 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.
More Rate Information
The chart below illustrates estimated Jeep Cherokee insurance rates for additional coverage choices and driver risks.
- The best discount rate is $932
- Using higher $1,000 deductibles will save about $202 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,610
- Using pricier low deductibles for physical damage coverage bumps up the cost to $2,002
- Drivers who are prone to accidents and violations could pay at least $3,488 or more
- Policy cost that insures a teen driver for full coverage can be $6,130 or more
Insurance rates for a Jeep Cherokee also range considerably based on the model of your Cherokee, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,900 to $2,600 extra every year, depending on your age. Jeep Cherokee insurance for high-risk drivers can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age
Your home state has a huge impact on Jeep Cherokee insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,170 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut rates by as much as $600 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates will be varied.
| 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 Low Cost Jeep Cherokee Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare prices every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a review of the coverage data raised in the charts and tables above.
- It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $600 each year
- Teen drivers pay higher rates, possibly costing $511 each month if full coverage is included
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,880 more every year 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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