Jeep Cherokee Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 18, 2024
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Average insurance rates for a Jeep Cherokee are $1,610 a year for full coverage insurance. Comprehensive costs approximately $308 a year, collision insurance costs $582, and liability coverage costs around $520. A liability-only policy costs as low as $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:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Cherokee trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $592 for the bare minimum liability coverage to a high of $3,488 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
These examples illustrate why it is important to compare prices using their specific location, rather than 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.
Additional Rate Information
The chart below illustrates average Jeep Cherokee insurance rates for additional coverage and risk scenarios.
- The best discount rate is $932
- Using higher $1,000 deductibles will save $1,408 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,610
- Using low $100 deductibles for physical damage coverage bumps up the cost to $2,002
- Higher-risk drivers who are prone to accidents and violations could pay around $3,488
- The cost that insures a teenage driver can cost $6,130 or more
Insurance rates for a Jeep Cherokee can also vary considerably based on the trim level of your Cherokee, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age
Where you live has a huge impact on Jeep Cherokee insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.
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 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
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
Saving money on auto insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a review of the car insurance concepts covered in the charts and tables above.
- Drivers who have several accidents or serious violations could be charged and average of $1,880 more per year than a low-risk driver
- It is possible to save around $190 per year just by quoting early and online
- Increasing deductibles can save approximately $600 each year
- Consumers who purchase more liability protection will pay an extra $570 annually to increase from a minimum limit to the 250/500 level
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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