Jeep Cherokee Insurance Rates
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UPDATED: May 18, 2024
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Estimated insurance rates for a Jeep Cherokee are $1,614 a year including full coverage. Comprehensive insurance costs approximately $320 a year, collision costs $596, and liability coverage is $498. A liability-only policy costs around $574 a year, with high-risk insurance costing $3,492 or more. Teens pay the most at $6,104 a year or more.
Average premium for full coverage: $1,614
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Cherokee trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Jeep Cherokee go from the low end price of $574 for basic liability insurance to a high of $3,492 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why it is important to compare rates quotes using their specific location, rather than using averaged prices.
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.
Rate Comparisons
The chart below breaks down estimated Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $935
- Raising to $1,000 deductibles will save $1,404 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
- Selecting low $100 deductibles will cost an additional $404 each year
- Unlucky drivers with serious driving violations could pay around $3,492 or more
- An auto insurance policy that insures a teenage driver can cost $6,104
Auto insurance prices for a Jeep Cherokee also have a wide range based on the trim level of your Cherokee, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age
Where you choose to live also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find prices as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $620 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $448 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 Find the Best Jeep Cherokee Insurance
Finding better rates on auto insurance consists of being a good driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The following list is a brief recap of the ideas that were presented in the illustrations above.
- Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $509 per month if the policy includes full coverage
- Drivers who tend to receive serious violations will likely pay on average $1,880 more per year than a safer driver
- Increasing policy deductibles can save approximately $625 each year
- You may be able to save around $190 per year simply by quoting early and online
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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