Jeep Cherokee Insurance Rates

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UPDATED: Jun 5, 2023

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Jeep Cherokee insurance

Average insurance prices for a Jeep Cherokee are $1,610 every 12 months for full coverage insurance. Comprehensive costs on average $308, collision insurance costs $582, and liability insurance is $520. A liability-only policy costs around $592 a year, and high-risk insurance costs around $3,488. Teenage drivers receive the highest rates at up to $6,130 a year.

Average premium for full coverage: $1,610

Rate estimates by individual coverage type:

Comprehensive $308
Collision $582
Liability $520

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Cherokee models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $592 for a discount liability-only rate to the much higher price of $3,488 for a driver who has had serious violations or accidents.

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

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

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

These examples illustrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on 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 illustrates average Jeep Cherokee insurance rates for different risk profiles and scenarios.

  • The best discount rate is $932
  • Raising to $1,000 deductibles will save around $202 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,610
  • Using pricier low deductibles increases the price to $2,002
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
  • The cost to insure a teen driver for full coverage may cost $6,130

View Chart as Image

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

Insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Cherokee.

Using high physical damage deductibles can reduce rates by up to $600 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,600 extra per year, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find 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.

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
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 Shop for the Right Jeep Cherokee Insurance

Saving money on Jeep Cherokee insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the ideas that were illustrated above.

  • Youthful drivers pay the highest rates, costing up to $511 per month if they have full coverage
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,880 more each year than a low-risk driver
  • Increasing deductibles could save as much as $600 each year
  • It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date

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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