Jeep Cherokee Insurance Rates
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UPDATED: Jun 5, 2023
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Average insurance prices for a Jeep Cherokee are $1,614 every 12 months for full coverage insurance. Comprehensive insurance costs on average $320, collision costs $596, and liability insurance is estimated at $498. A liability-only policy costs approximately $574 a year, with high-risk insurance costing $3,492 or more. Teenage drivers receive the highest rates at $6,104 a year or more.
Average premium for full coverage: $1,614
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Cherokee trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $574 for just the minimum liability insurance to a much higher rate of $3,492 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on car insurance rates.
These examples illustrate why anyone shopping for car insurance should get 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.
Additional Rate Analysis
The chart below illustrates estimated Jeep Cherokee insurance rates for different risk profiles and scenarios.
- The best discount rate is $935
- Choosing higher $1,000 deductibles can save around $210 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,614
- Using more expensive low deductibles for comp and collision coverage costs an extra $404 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,492 or more
- The cost to insure a teen driver with full coverage may cost $6,104 each year
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 save as much as $620 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $448 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,500 annually 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. High-risk driver insurance ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates
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 $1,050 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 | $1,456 | -$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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.
| 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 Shop for Affordable Jeep Cherokee Insurance
Saving money on Jeep Cherokee insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief review of the material that was touched on in this article.
- Drivers who require an increased level of liability coverage will pay an extra $550 annually to raise limits from a minimum limit to a 250/500 level
- Drivers age 16 to 20 pay the highest rates, costing up to $509 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $1,880 more each year than a safer driver
- Increasing deductibles could save as much as $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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