Jeep Cherokee Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Jeep Cherokee insurance

Average insurance prices for a Jeep Cherokee are $1,610 every 12 months including full coverage. Comprehensive insurance costs an estimated $308, collision costs $582, and liability is $520. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing $3,488 or more. Teen drivers receive the highest rates at $6,130 a year or more.

Average premium for full coverage: $1,610

Rate estimates broken down by individual coverage type:

Comprehensive $308
Collision $582
Liability $520

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Cherokee models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $592 for your basic liability-only policy to the much higher price of $3,488 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

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

These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using 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.

More Rate Information

The chart below breaks down estimated Jeep Cherokee insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $932
  • Raising to $1,000 deductibles will save approximately $202 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,610
  • Choosing pricier low deductibles costs an extra $392 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $3,488 or more
  • The cost to insure a teen driver for full coverage can cost as much as $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

Auto insurance rates for a Jeep Cherokee can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,900 to $2,600 in extra premium per year, depending on your age. Jeep Cherokee insurance for high-risk drivers is expensive and can cost as much as 42% to 132% more than average. View High Risk Driver Rates

Where you live also has a big influence on Jeep Cherokee insurance prices. A middle-age driver might find rates as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or 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

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 Best Cheap Jeep Cherokee Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a quick review of the data presented in the illustrations above.

  • Policyholders who want more liability protection will pay about $570 per year to raise from a minimum limit to a 250/500 level
  • You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save as much as $600 each year
  • Youthful drivers are the costliest to insure, as much as $511 per month if comprehensive and collision insurance is included

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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