How Much is Insurance on a Jeep Cherokee?

Insurance rates for a Jeep Cherokee average $1,640 a year, or around $137 a month. Comprehensive, collision, and liability insurance cost around $399, $583, and $463, respectively.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2020

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Key Takeaways:

  • Full coverage costs around $1,640 a year or $137 each month
  • A liability-only policy costs around $658 a year or $55 each month
  • Highest rates are for teenage drivers at around $5,994 a year or $500 each month
  • Good drivers can save as much as $676 a year by earning policy discounts
  • Jeep Cherokee insurance costs around $121 more per year than the average vehicle

Jeep Cherokee car insurance rates are determined by a number of factors, such as the age of the driver.

Teenagers have the highest Jeep Cherokee insurance rates at $5,994 a year, or $500 every month. But good drivers can save as much as $676 a year by earning policy discounts.

Take the time to read through this helpful article that details exactly how Jeep Cherokee rates are determined so you can compare policies like an expert.

You can start comparing quotes for Jeep Cherokee car insurance rates from some of the best car insurance companies by using our free online tool now.

Jeep Cherokee Insurance Cost

The average Jeep Cherokee auto insurance costs are $1,640 a year or $137 a month.

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Are Jeep Cherokees Expensive to Insure?

The chart below details how Jeep Cherokee insurance rates compare to other SUVs like the Volvo XC60, Toyota Sequoia, and Audi Q7.

Vehicle Comprehensive Collision Liability Total
Jeep Cherokee $348 $626 $466 $1,640
Volvo XC60 $306 $536 $338 $1,316
Toyota Sequoia $332 $566 $398 $1,454
Audi Q7 $394 $714 $398 $1,664
Subaru Forester $346 $512 $332 $1,326
Volvo XC90 $346 $600 $390 $1,494
Cadillac XT5 $376 $718 $372 $1,624
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However, there are a few things you can do to find the cheapest Jeep insurance rates online.

What Impacts the Cost of Jeep Cherokee Insurance?

The Jeep Cherokee trim and model you choose can impact the total price you will pay for Jeep Cherokee insurance coverage.

Age of the Vehicle

Older Jeep Cherokee models generally cost less to insure. For example, car insurance rates for a 2020 Jeep Cherokee are $1,640, while 2014 Jeep Cherokee rates are $1,534, a difference of $106.

Model Year Comprehensive Collision Liability Total
2020 Jeep Cherokee $348 $626 $466 $1,640
2019 Jeep Cherokee $332 $600 $488 $1,620
2018 Jeep Cherokee $320 $596 $498 $1,614
2017 Jeep Cherokee $308 $582 $520 $1,610
2016 Jeep Cherokee $298 $558 $536 $1,592
2015 Jeep Cherokee $282 $538 $554 $1,574
2014 Jeep Cherokee $270 $500 $564 $1,534
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Driver Age

Driver age can have a significant effect on the cost of Jeep Cherokee car insurance. For example, 30-year-old drivers pay approximately $72 more for their Jeep Cherokee car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Jeep Cherokee insurance rates. For example, drivers in New York may pay $426 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Jeep Cherokee car insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Cherokee car insurance with violations on their driving record.

Jeep Cherokee Safety Ratings

Your Jeep Cherokee car insurance rates are tied to the safety ratings of the Jeep Cherokee. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Jeep Cherokee Crash Test Ratings

Not only do good Jeep Cherokee crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Jeep Cherokee auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Jeep Cherokee SUV FWD 4 stars 4 stars 5 stars 4 stars
2020 Jeep Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2019 Jeep Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2019 Jeep Cherokee SUV 2WD 4 stars 4 stars 5 stars 4 stars
2018 Jeep Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2018 Jeep Cherokee SUV 2WD 4 stars 4 stars 5 stars 4 stars
2017 Jeep Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2017 Jeep Cherokee SUV 2WD 4 stars 4 stars 5 stars 4 stars
2016 Jeep Cherokee SUV 4WD 4 stars 4 stars 5 stars 4 stars
2016 Jeep Cherokee SUV 2WD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Jeep Cherokee Safety Features

The safety features of the Jeep Cherokee can impact your Jeep Cherokee car insurance rates. The Jeep Cherokee has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist

Jeep Cherokee Insurance Loss Probability

The lower percentage means lower Jeep Cherokee car insurance costs; higher percentages mean higher Jeep Cherokee car insurance costs. Compare the following Jeep Cherokee auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision -24%
Property Damage 5%
Comprehensive -23%
Personal Injury -13%
Medical Payment -10%
Bodily Injury 9%
Source: Insurance Institute for Highway Safety
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Jeep Cherokee Finance and Insurance Cost

If you are financing a Jeep Cherokee, you will pay more if you purchase Jeep Cherokee car insurance at the dealership, so be sure to shop around and compare Jeep Cherokee car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Jeep Cherokee Insurance

There are several ways you can save even more on your Jeep Cherokee car insurance rates. Take a look at the following five tips:

  • Use an Accurate Job Title When Requesting Jeep Cherokee Auto Insurance
  • Ask About a Student Away from Home Discount
  • Remove Unnecessary Insurance Once Your Jeep Cherokee is Paid Off
  • Get Married and Ask for a Discount
  • Understand that Insurance Companies Can’t Change Your Jeep Cherokee Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score

Top Jeep Cherokee Insurance Companies

Who is the best auto insurance company for Jeep Cherokee insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jeep Cherokee auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jeep Cherokee offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Jeep Cherokee Insurance Quotes Online

You can start comparing quotes for Jeep Cherokee insurance from some of the top car insurance companies by using our free online tool today.

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Average Monthly Car Insurance Rates by State