Jeep Cherokee Insurance Rates
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UPDATED: Jun 5, 2023
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Average insurance rates for a Jeep Cherokee are $1,614 a year including full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $596, and liability insurance is $498. A policy with just liability insurance costs around $574 a year, and coverage for high-risk drivers costs $3,492 or more. Teens receive the highest rates at up to $6,104 a year.
Average premium for full coverage: $1,614
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Cherokee trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $574 for just liability insurance to a much higher rate of $3,492 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on 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.
More Rate Details
The chart below breaks down average Jeep Cherokee insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $935
- Raising to $1,000 deductibles will save approximately $210 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,614
- Selecting more expensive low deductibles will cost an additional $404 a year
- Higher-risk drivers with serious driving violations could pay up to $3,492
- The cost that insures a teen driver with full coverage can cost as much as $6,104
Insurance rates for a Jeep Cherokee can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age
Where you live also has a big influence on Jeep Cherokee insurance rates. A middle-age driver might find rates 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 rates by up to $620 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $448 more each year. View Rates by Deductible or Liability Limit
| 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 Cheap Jeep Cherokee Insurance
Saving money on Jeep Cherokee insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a brief summary of the data that was touched on in the above illustrations.
- You may be able to save approximately $190 per year just by shopping early and online
- Drivers who want increased liability limits will pay approximately $550 per year to raise from a minimum limit to the 250/500 level
- Drivers under the age of 20 are expensive to insure, as much as $509 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,880 more annually to insure a Jeep Cherokee
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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