Jeep Cherokee Car Insurance Cost 2025
On average, insuring a Jeep Cherokee costs $431 per year. However, the actual cost may vary depending on factors like your age, the specific year of your vehicle, and other personal details. You can use our quote tables below to get an estimate based on your specific situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Jeep Cherokee, one crucial aspect to factor in is the expense of insurance. On average, insurance for a Jeep Cherokee cost $431 per year. Insurance plays a major role in owning a car, so it’s important to understand the costs upfront before making a decision.
Choosing the right car insurance is vital to avoid unexpected and potentially steep expenses later on. It’s essential to have adequate coverage in case of an accident to avoid hefty out-of-pocket costs. Plus, there’s the possibility of facing premium hikes if you’re deemed responsible for an accident.
With over ten years of experience studying car insurance rates, I’ve observed how much these costs can fluctuate. Elements like your age, driving history, and location can significantly impact the premiums you’ll pay for insurance.
How Much Does A Jeep Cherokee Car Insurance Cost?
Typically, Jeep Cherokee owners can expect to pay an average of $431 per year for car insurance.
It’s important to understand that car insurance costs can vary significantly due to several factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. For example, maintaining a clean driving record can lead to lower premiums, while a history of accidents or violations may result in higher costs.
Additionally, living in a busy urban area with heavy traffic could lead to higher insurance rates compared to more rural locations. The coverage level you select also impacts the cost – comprehensive insurance, which includes both comprehensive and collision coverage, is usually more expensive than basic liability coverage.
As seen from the data, Jeep Cherokee insurance is more affordable compared to many Jaguar models, but still higher than the average cost for all cars.
Insuranceopedia can help you compare quotes from various insurance providers, helping you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Jeep Cherokee | $157 |
| All Jeeps | $154 |
| All Cars | $175 |
Average Insurance Cost Of Jeep Cherokee By Model Year
| Model Year | Average Premium |
| 2023 Jeep Cherokee | $965 |
| 2022 Jeep Cherokee | $908 |
| 2021 Jeep Cherokee | $572 |
| 2020 Jeep Cherokee | $532 |
| 2019 Jeep Cherokee | $497 |
| 2018 Jeep Cherokee | $610 |
| 2017 Jeep Cherokee | $646 |
| 2016 Jeep Cherokee | $664 |
| 2015 Jeep Cherokee | $424 |
| 2014 Jeep Cherokee | $619 |
| 2010 Jeep Cherokee | $1,978 |
2023 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2023 Jeep Cherokee is $965. However, Safeco offers the cheapest rates, averaging $401 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $772 |
| Dairyland Auto | $1,241 |
| Erie | $1,185 |
| Direct Auto | $1,252 |
| SECURA Insurance | $837 |
| Nationwide | $1,368 |
| Safeco | $401 |
| USAA | $1,290 |
| National General | $431 |
| New York Central Mutual Fire | $869 |
2022 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2022 Jeep Cherokee is $908. However, Safeco offers the cheapest rates, averaging $315 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $968 |
| Victoria | $462 |
| NatGen PPA | $1,123 |
| American National P | $575 |
| Capital Insurance Group | $1,314 |
| Buckeye Insurance Group | $1,135 |
| Mercury Insurance | $794 |
| Tennessee Farmers | $1,129 |
| Farmers Mutual of Nebraska | $1,264 |
| Safeco | $315 |
2021 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2021 Jeep Cherokee is $572. However, Safeco offers the cheapest rates, averaging $293 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $315 |
| AssuranceAmerica Mobile Max | $386 |
| NatGen Advantage | $613 |
| NatGen PPA | $319 |
| Concord Group | $580 |
| Countryway Insurance | $761 |
| American National P | $743 |
| Safeco | $293 |
| Kemper Personal Insurance | $904 |
| Dairyland Broadform | $808 |
2020 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2020 Jeep Cherokee is $532. However, Kemper Auto | Infinity offers the cheapest rates, averaging $131 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $468 |
| NatGen Custom 360 | $604 |
| Dairyland FR Bond | $664 |
| Mercury Insurance | $713 |
| Safeco | $437 |
| Buckeye Insurance Group | $774 |
| Dairyland Broadform | $557 |
| American National P | $662 |
| Kemper Personal Insurance | $311 |
| Kemper Auto | Infinity | $131 |
2019 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2019 Jeep Cherokee is $497. However, Kemper Auto Premium offers the cheapest rates, averaging $131 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $285 |
| Mercury Insurance | $776 |
| Kemper Auto Premium | $249 |
| Dairyland Auto 1 Month | $418 |
| AssuranceAmerica Mobile Max | $674 |
| Concord Group | $748 |
| Kemper Personal Insurance | $371 |
| Dairyland FR Bond | $791 |
| Safeco | $298 |
| Dairyland Broadform | $359 |
2018 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2018 Jeep Cherokee is $610. However, NatGen Custom 360 offers the cheapest rates, averaging $47 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $927 |
| North Carolina Farm Bureau | $933 |
| NatGen PPA | $806 |
| AssuranceAmerica Mobile Max | $576 |
| American National P | $639 |
| Mercury Insurance | $438 |
| Dairyland Broadform | $623 |
| Countryway Insurance | $868 |
| Safeco | $246 |
| NatGen Custom 360 | $47 |
Find Affordable Jeep Cherokee Insurance Rates
2017 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2017 Jeep Cherokee is $646. However, Safeco offers the cheapest rates, averaging $116 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $638 |
| AssuranceAmerica Mobile Max | $514 |
| Loya Insurance | $744 |
| Kemper Auto | $889 |
| Kemper Auto Premier | $806 |
| Dairyland Broadform | $613 |
| NatGen Custom 360 | $455 |
| Safeco | $116 |
| Mercury Insurance | $742 |
| Concord Group | $942 |
2016 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2016 Jeep Cherokee is $664. However, Safeco offers the cheapest rates, averaging $144 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $955 |
| Countryway Insurance | $901 |
| Mercury Insurance | $705 |
| American National P | $649 |
| Concord Group | $655 |
| Safeco | $144 |
| AssuranceAmerica Mobile Max | $370 |
| Dairyland FR Bond | $979 |
| NatGen Custom 360 | $373 |
| MMG Insurance Company | $906 |
2015 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2015 Jeep Cherokee is $424. However, Dairyland FR Bond offers the cheapest rates, averaging $148 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $618 |
| Dairyland FR Bond | $148 |
| Kemper Auto Premier | $358 |
| NatGen Custom 360 | $225 |
| AssuranceAmerica Mobile Max | $614 |
| Ameriprise Group | $715 |
| American National P&C | $573 |
| Dairyland Broadform | $299 |
| Mercury Insurance | $446 |
| Safeco | $242 |
2014 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2014 Jeep Cherokee is $619. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $141 per year.
| Insurance Provider | Average Annual Cost |
| Aspire Advantage Roadside | $812 |
| American National P | $682 |
| Buckeye Insurance Group | $947 |
| SECURA Insurance | $830 |
| AssuranceAmerica Mobile Max | $141 |
| Concord Group | $828 |
| Mercury Insurance | $508 |
| Safeco | $108 |
| NatGen Custom 360 | $699 |
| Kemper Personal Insurance | $637 |
2010 Jeep Cherokee Insurance Rates
The average annual insurance cost for a 2010 Jeep Cherokee is $1,978. However, State Farm offers the cheapest rates, averaging $549 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $549 |
| Virginia Farm Bureau | $847 |
| Metropolitan | $892 |
| Mercury | $945 |
| Permanent General | $1,502 |
| Home State Ins Group | $2,057 |
| Nationwide | $2,377 |
| Safe Auto | $3,875 |
| Allied | $4,756 |
Find Affordable Jeep Cherokee Insurance Rates
Is A Jeep Cherokee Expensive To Insure?
The cost of insuring a Jeep Cherokee is generally lower than the average for all cars. However, the exact amount you’ll pay can vary based on several factors, including your age, the age of your vehicle, your location, and other personal details.
Cost of Jeep Cherokee Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers typically face the highest premiums because they are statistically more likely to be involved in accidents. As you age and gain more driving experience, your premiums generally decrease, as you are considered a lower risk for accidents.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $5,348 | $7,841 | $9,157 |
| 18 | $4,956 | $7,315 | $8,558 |
| 19 | $4,404 | $6,433 | $7,543 |
| 20 | $3,820 | $5,617 | $6,588 |
| 21 | $3,204 | $4,699 | $5,511 |
| 22 | $3,134 | $4,593 | $5,382 |
| 23 | $2,744 | $4,028 | $4,687 |
| 24 | $2,615 | $3,804 | $4,457 |
| 25 | $2,251 | $3,294 | $3,855 |
| 30 | $1,748 | $2,553 | $3,012 |
| 35 | $1,630 | $2,390 | $2,802 |
| 40 | $1,589 | $2,307 | $2,691 |
| 45 | $1,532 | $2,239 | $2,614 |
| 55 | $1,423 | $2,076 | $2,423 |
| 65 | $1,482 | $2,161 | $2,517 |
| 75 | $1,844 | $2,714 | $3,197 |
Jeep Cherokee Car Insurance Rates By State
Your location significantly impacts how insurance companies determine your rates. Each state has its own regulations, with some, like Michigan, requiring higher levels of coverage, which can lead to higher premiums. Additionally, factors like climate play a role—states prone to extreme weather, such as hurricanes or floods, often have higher insurance costs. Local crime rates, car thefts, accidents, and vehicle fatality statistics also influence rates. Insurance companies take all of these factors into account when calculating your Jeep Cherokee’s insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,675 | $2,443 | $3,089 |
| Alaska | $1,397 | $1,916 | $1,860 |
| Arizona | $1,543 | $2,241 | $3,319 |
| Arkansas | $1,696 | $2,691 | $2,960 |
| California | $1,905 | $3,376 | $1,909 |
| Colorado | $1,775 | $2,490 | $3,163 |
| Connecticut | $2,268 | $3,539 | $4,492 |
| Delaware | $1,895 | $2,502 | $3,202 |
| Florida | $2,234 | $3,107 | $4,028 |
| Hawaii | $713 | $983 | $711 |
| Idaho | $1,271 | $1,682 | $2,053 |
| Illinois | $1,307 | $1,993 | $2,298 |
| Indiana | $1,374 | $2,089 | $2,335 |
| Iowa | $1,063 | $1,477 | $1,731 |
| Kansas | $1,453 | $2,078 | $2,441 |
| Kentucky | $2,062 | $3,046 | $3,595 |
| Louisiana | $2,662 | $4,043 | $4,368 |
| Maine | $1,008 | $1,400 | $2,066 |
| Maryland | $1,648 | $2,389 | $2,617 |
| Massachusetts | $1,322 | $2,268 | $1,306 |
| Michigan | $3,142 | $4,823 | $7,585 |
| Minnesota | $1,309 | $1,736 | $2,456 |
| Mississippi | $1,585 | $2,223 | $2,261 |
| Missouri | $1,471 | $2,116 | $2,757 |
| Montana | $1,506 | $2,087 | $2,451 |
| Nebraska | $1,276 | $1,896 | $2,047 |
| Nevada | $2,114 | $3,120 | $3,299 |
| New Hampshire | $1,459 | $2,317 | $2,913 |
| New Jersey | $1,586 | $2,528 | $3,290 |
| New Mexico | $1,637 | $2,453 | $2,536 |
| New York | $1,526 | $1,919 | $3,212 |
| North Carolina | $941 | $1,610 | $1,170 |
| North Dakota | $1,268 | $1,948 | $2,309 |
| Ohio | $1,141 | $1,789 | $1,823 |
| Oklahoma | $1,826 | $2,619 | $2,973 |
| Oregon | $1,652 | $2,221 | $2,673 |
| Pennsylvania | $1,416 | $2,073 | $2,401 |
| Rhode Island | $2,340 | $3,447 | $3,889 |
| South Carolina | $1,613 | $2,222 | $3,050 |
| South Dakota | $1,424 | $2,055 | $2,358 |
| Tennessee | $1,680 | $2,489 | $3,313 |
| Texas | $1,676 | $2,456 | $3,032 |
| Utah | $1,451 | $2,025 | $2,767 |
| Vermont | $1,111 | $1,699 | $1,805 |
| Virginia | $1,063 | $1,613 | $1,593 |
| Washington | $1,388 | $1,895 | $2,237 |
| West Virginia | $1,402 | $2,002 | $2,490 |
| Wisconsin | $1,406 | $2,159 | $2,489 |
| Wyoming | $1,289 | $1,803 | $1,927 |
| Georgia | $1,818 | $2,725 | $2,747 |
Find Affordable Jeep Cherokee Insurance Rates
Cheapest Car Insurance Companies For A Jeep Cherokee
If you’re looking to purchase a new car insurance policy for your Jeep Cherokee, it’s important to know which providers offer the most affordable rates. ACG, for instance, offers a premium as low as $20 per month, making them one of the cheapest options for Jeep Cherokee owners. However, keep in mind that rates can vary based on your personal driver profile, so it’s a good idea to shop around and compare quotes from different providers to find the best deal for your situation.
| Company | Average Monthly Rate |
| Kemper Personal Insurance | $29 |
| Hugo | $36 |
| StateAuto | $43 |
| American Family | $27 |
| ACG | $20 |
Common Jeep Cherokee Insurance Discounts
Discounts are a fantastic way to reduce your car insurance costs. While each insurance company offers different deals, some common discounts you can check for include:
- Multi-policy discount: If you bundle your home and auto insurance policies with the same provider, you can often enjoy a reduced rate.
- Annual payment discount: If you pay your entire premium upfront rather than monthly, some providers offer a discount.
- Defensive driving discount: Completing a defensive driving course from a certified provider can make you eligible for lower rates.
Make sure to speak with your insurance agent to explore all the discounts available to you.
Ways To Save On Jeep Cherokee Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Jeep Cherokee insurance premiums low. Traffic violations like speeding tickets or involvement in accidents can increase your rates. Jeep Cherokee drivers with a ticket on their record typically pay around $92 per month, while those with multiple accidents may pay around $143 per month. Avoiding these incidents can help you keep your insurance costs down. Additionally, drivers who log fewer miles annually tend to pay less for insurance. Drivers with lower mileage are less likely to be involved in accidents, making them a lower risk for insurers. Jeep Cherokee drivers who drive between 5,001 and 7,500 miles per year typically pay about $70 per month for insurance, whereas those driving over 10,000 miles annually pay about $79 per month.
Compare Jeep Cherokee To Other Jeep Models
Looking for other Jeep model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind, these numbers may differ from your personal results based on your specific circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Jeep Cherokee?
Yes, you will need proof of insurance before you can drive your Jeep Cherokee off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase. This way, you can avoid relying on dealership-provided insurance.
How Can You Get The Cheapest Insurance For Your Jeep Cherokee?
The most effective way to find the lowest rates for your Jeep Cherokee is by comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
