Jeep Cherokee Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Jeep Cherokee are $1,614 every 12 months with full coverage. Comprehensive costs an estimated $320 a year, collision costs $596, and liability coverage is $498. A policy with only liability insurance costs around $574 a year, with a high-risk policy costing around $3,492. 16-year-old drivers pay the most at $6,104 a year or more.
Average premium for full coverage: $1,614
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 cheapest price of $574 for minimum levels of liability insurance to a high of $3,492 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.
The diagram below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than using rate 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.
Additional Rate Details
The chart below details estimated Jeep Cherokee insurance rates for other coverage scenarios.
- The best full coverage rate is $935
- Raising to $1,000 deductibles will save approximately $1,404 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,614
- Buying low $100 deductibles increases the price to $2,018
- Unlucky drivers with multiple tickets or accidents could pay up to $3,492 or more
- An auto insurance policy to insure a teenage driver can cost as much as $6,104
Car insurance prices for a Jeep Cherokee also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $620 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $448 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates
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 $1,160 a year in states like Utah, Ohio, and New Hampshire, or at least $2,170 on average in New York, Michigan, 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 such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes 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 Shop for More Affordable Jeep Cherokee Insurance
Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a summary of the data presented in the illustrations above.
- Consumers who want more liability coverage will pay around $550 every year to raise from 30/60 bodily injury limits to a 250/500 level
- You may be able to save approximately $190 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $625 each year
- Teen drivers have the highest car insurance prices, possibly costing $509 per month if the policy includes full coverage
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
