How Much is Insurance for a Jeep Cherokee?

Jeep Cherokee insurance rates cost $1,640/yr, or $137/mo on average. A liability-only policy costs around $658/yr or $55/mo. This is about $121 more per year than the average vehicle. Good drivers can save up to $676 a year on Jeep Cherokee insurance costs by earning policy discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 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 insurance rates are $121 more expensive than the average vehicle. Full coverage costs $137 per month and liability-only coverage costs $55 per month. Teen drivers, however, could pay up to $500 per month. Continue reading to learn how you can save $676 per year on Jeep Cherokee insurance rates.

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

Jeep Cherokee Insurance Cost

The average Jeep Cherokee insurance rates 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 Mercedes-Benz GLC 300, BMW X5, and Toyota 4Runner.

Vehicle Comprehensive Collision Liability Total
Jeep Cherokee $348 $626 $466 $1,640
Mercedes-Benz GLC 300 $412 $810 $390 $1,770
BMW X5 $444 $750 $372 $1,724
Toyota 4Runner $332 $512 $332 $1,312
Jeep Compass $294 $500 $372 $1,324
Audi Q3 $344 $686 $398 $1,586
Volkswagen Atlas $358 $690 $390 $1,596
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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 will affect the total price you will pay for Jeep Cherokee insurance coverage.

Age of the Vehicle

The average Jeep Cherokee auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Jeep Cherokee cost $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 impact on Jeep Cherokee auto insurance rates. As an example, a 40-year-old driver could pay $173 less each month for their Jeep Cherokee auto insurance compared to a 20-year-old driver.

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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Cherokee auto insurance rates with violations on their driving record.

Jeep Cherokee Safety Ratings

The Jeep Cherokee’s safety ratings will affect your Jeep Cherokee auto insurance rates. See the chart 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

Poor Jeep Cherokee crash test ratings could mean higher Jeep Cherokee 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

Good Jeep Cherokee safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Jeep Cherokee are:

  • 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 auto insurance costs; higher percentages mean higher Jeep Cherokee auto 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, most lenders will require your carry higher Jeep Cherokee coverage options including comprehensive coverage, so be sure to shop around and compare Jeep Cherokee auto insurance quotes from the best auto insurance companies using our FREE tool below.

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5 Ways to Save on Jeep Cherokee Insurance

There are many ways that you can save on Jeep Cherokee auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Jeep Cherokee insurance rates low.

  • Move to an Area with a Lower Cost of Living
  • Ask About Jeep Cherokee Discounts If You Were Listed on Someone Else’s Policy
  • Compare Jeep Cherokee Insurance Rates Online
  • Ask About Discounts for People with Disabilities
  • Compare Jeep Cherokee Insurance Rates for Free Online

Top Jeep Cherokee Insurance Companies

The best auto insurance companies for Jeep Cherokee insurance rates will offer competitive rates, discounts, and account for the Jeep Cherokee’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

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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Save on your Jeep Cherokee insurance rates by taking advantage of our FREE comparison tool.

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