Jeep Cherokee insurance costs average $76 monthly for minimum coverage and $148 per month for full coverage. Depending on your particular trim and model year, costs can range from $49 to $225 monthly.
Jeep Cherokee Insurance Cost
Updated: October 21, 2025
Key Takeaways
Jeep Cherokee insurance costs range from $49 to $225 monthly depending on your specific trim level and model year.
Among all vehicles available in the U.S. market from 2000-2025, the Jeep Cherokee ranks 167th out of 827 models for insurance affordability.
GEICO offers the most affordable Jeep Cherokee coverage at $120 monthly for full protection and $56 for minimum coverage policies.
How Much Is Jeep Cherokee Insurance?
| Jeep Cherokee | $76 | $148 |
Jeep Cherokee Insurance Cost by Model Year
Your Cherokee's model year and trim affect your insurance rates. Newer models cost more to insure because of their higher value. Monthly premiums for Cherokee insurance range from $54 for older models to $188 for the newest versions.
| 2023 | $96 | $188 |
| 2022 | $80 | $155 |
| 2021 | $71 | $139 |
| 2020 | $62 | $121 |
| 2019 | $54 | $104 |
| 2018 | $92 | $178 |
| 2017 | $96 | $186 |
| 2016 | $86 | $166 |
| 2015 | $77 | $150 |
| 2014 | $71 | $136 |
| 2001 | $79 | $151 |
| 2000 | $71 | $137 |
Jeep Cherokee Insurance Cost by Trim
Your Jeep Cherokee's trim impacts insurance costs based on features, market value and desirability. Monthly premiums range from $57 for basic trims like the Upland to $214 for premium versions like the Latitude Tech Connect.
| Upland Sport Utility 4d | $57 | $111 |
| Trailhawk Elite Sport Utility 4d | $61 | $119 |
| North Sport Utility 4d | $63 | $122 |
| Lux Sport Utility 4d | $63 | $123 |
| Freedom Sport Utility 4d | $66 | $128 |
| Sport Suv 2d | $69 | $133 |
| Latitude Plus Sport Utility 4d | $70 | $137 |
| Sport Suv 4d | $71 | $136 |
| Se Sport Utility 4d | $71 | $136 |
| Se Sport Utility 2d | $71 | $137 |
| L Plus Sport Utility 4d | $72 | $140 |
| Latitude Sport Utility 4d | $72 | $140 |
| Altitude Sport Utility 4d | $74 | $143 |
| 80th Anniversary Edition Sport Utility 4d | $74 | $145 |
| Latitude Lux Sport Utility 4d | $76 | $147 |
| Sport Utility 2d | $76 | $146 |
| Classic Sport Utility 4d | $78 | $149 |
| Sport Utility 4d | $78 | $150 |
| X Sport Utility 4d | $79 | $153 |
| Sport Altitude Sport Utility 4d | $81 | $156 |
| Limited Sport Utility 4d | $81 | $156 |
| High Altitude Sport Utility 4d | $81 | $157 |
| Trailhawk Sport Utility 4d | $81 | $157 |
| 75th Anniversary Sport Utility 4d | $81 | $156 |
| Overland Sport Utility 4d | $83 | $160 |
| Altitude Lux Sport Utility 4d | $90 | $175 |
| Trailhawk L Plus Sport Utility 4d | $108 | $208 |
| Latitude Tech Connect Sport Utility 4d | $111 | $214 |
Compare Personalized Jeep Cherokee Insurance Costs
Filter Jeep Cherokee insurance costs by model year and trim:
Data filtered by:
2000
Sport Suv 2d
| Sport Suv 2d | $69 | $133 |
Jeep Cherokee Insurance Cost by Company
Jeep Cherokee insurance costs vary by provider, ranging from $88 to $198 monthly. Minimum coverage spans $56 to $134, while full coverage costs $120 to $283. Rate differences reflect each company's unique risk assessment models.
| AAA | $84 | $173 |
| AIG | $113 | $283 |
| Allstate | $98 | $188 |
| Amica | $90 | $183 |
| Chubb | $114 | $223 |
| Farmers | $104 | $182 |
| GEICO | $56 | $120 |
| Kemper | $82 | $165 |
| Nationwide | $86 | $148 |
| Progressive | $77 | $144 |
| State Farm | $72 | $150 |
| The Hartford | $88 | $150 |
| Travelers | $68 | $124 |
| UAIC | $134 | $168 |
Jeep Cherokee Insurance Cost by State
Jeep Cherokee insurance costs vary dramatically by location, from $26 monthly in Wyoming to $326 in Louisiana.
| Alabama | $62 | $117 |
| Alaska | $54 | $115 |
| Arizona | $89 | $166 |
| Arkansas | $62 | $139 |
| California | $72 | $145 |
| Colorado | $72 | $173 |
| Connecticut | $107 | $185 |
| Delaware | $109 | $183 |
| Florida | $101 | $235 |
| Georgia | $116 | $191 |
| Hawaii | $39 | $89 |
| Idaho | $41 | $85 |
| Illinois | $69 | $129 |
| Indiana | $49 | $97 |
| Iowa | $41 | $100 |
| Kansas | $55 | $128 |
| Kentucky | $96 | $163 |
| Louisiana | $151 | $326 |
| Maine | $40 | $81 |
| Maryland | $121 | $205 |
| Massachusetts | $77 | $162 |
| Michigan | $113 | $217 |
| Minnesota | $60 | $125 |
| Mississippi | $64 | $128 |
| Missouri | $85 | $170 |
| Montana | $52 | $123 |
| Nebraska | $54 | $124 |
| Nevada | $135 | $245 |
| New Hampshire | $53 | $94 |
| New Jersey | $124 | $205 |
| New Mexico | $61 | $137 |
| New York | $93 | $167 |
| North Carolina | $61 | $120 |
| North Dakota | $42 | $93 |
| Ohio | $58 | $113 |
| Oklahoma | $69 | $152 |
| Oregon | $93 | $162 |
| Pennsylvania | $64 | $152 |
| Rhode Island | $94 | $168 |
| South Carolina | $79 | $147 |
| South Dakota | $39 | $118 |
| Tennessee | $60 | $121 |
| Texas | $98 | $200 |
| Utah | $84 | $142 |
| Vermont | $33 | $78 |
| Virginia | $72 | $117 |
| Washington | $70 | $131 |
| West Virginia | $65 | $132 |
| Wisconsin | $49 | $107 |
| Wyoming | $26 | $80 |
Jeep Cherokee Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, impacts Jeep Cherokee insurance costs. Monthly rates reach $373 if you're a young driver under 25 with no violations, but drop to $76 monthly for adults aged 26 to 64 without driving violations.
| Adult Drivers | $76 | $148 |
| Young Drivers | $195 | $373 |
| Senior Drivers | $102 | $187 |
| Drivers With a Speeding Ticket | $95 | $186 |
| Drivers With an Accident | $112 | $216 |
| Drivers With a DUI | $140 | $268 |
| Drivers With Bad Credit | $181 | $364 |
Is a Jeep Cherokee Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Jeep Cherokee ranks 167th out of 827, making it one of the more affordable cars to insure. Among midsize SUVs, the model ranks as the 7th most affordable vehicle to insure.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Jeep Car Insurance Costs
Several factors affect your Jeep Cherokee insurance costs:
- Age (median 45 years): Middle-aged drivers get lower rates than younger SUV buyers.
- Gender (60% male): Moderate male skew with family-oriented ownership patterns.
- Income ($125,000 to $175,000): Higher incomes enable comprehensive coverage, but SUV usage increases claims.
Average Repair or Replacement Costs
Jeep ranks 15th in repair affordability among 59 U.S. automakers with median annual costs of $821. Jeep Cherokee repair costs average $891 annually, making it Jeep's third most affordable model to repair.
Vehicle Trim, Features and Accessories
Cherokee models offer engines from 180 to 827 horsepower (Trackhawk), with advanced features like Quadra-Trac 4WD systems, trail-rated capabilities and premium Uconnect infotainment.
Higher trims include leather seating, panoramic sunroofs and performance brakes. These systems and luxury components increase replacement costs after accidents.
Fuel Type
Most Cherokee models use regular unleaded gasoline (87 octane), though some V6 engines use 89 octane for optimal performance.
High-performance models like the Trackhawk require premium fuel. The standard fuel requirements tell insurers this is a mainstream SUV with moderate performance expectations and risk levels.
Location
Cherokee owners are concentrated in states like Oklahoma, Michigan and Wyoming, where off-road driving is common. The SUV's off-road capabilities attract owners who use them for outdoor activities, increasing the likelihood of comprehensive claims from off-road incidents, weather damage and rural driving risks.
Driver Profile
Most Cherokee drivers are middle-aged (median 45 years) males (60%) with household incomes of $125,000 to $175,000. About 70% are college graduates, and 80% are married with families. This mature, affluent demographic gets favorable insurance rates.
Driver demographics affect Cherokee rates:
Cheapest Jeep Cherokee Insurance Companies
Cherokee drivers can secure the most affordable full coverage car insurance through GEICO, with average monthly premiums of $120. For drivers seeking basic minimum coverage, GEICO also offers the cheapest rates at $56 monthly for Cherokee owners.
| GEICO | $56 | $120 |
| Travelers | $68 | $124 |
| State Farm | $72 | $150 |
| Progressive | $77 | $144 |
| Nationwide | $86 | $148 |
Cheapest Jeep Cherokee Insurance by State
These are the three most affordable car insurance providers for a Jeep Cherokee:
- GEICO: Most affordable in 11 states
- Travelers: Most affordable in nine states
- Auto-Owners: Most affordable in eight states
Filter below to find which provider offers the best rates for your Jeep Cherokee in your location.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $33 |
How to Get the Best Cheap Jeep Cherokee Insurance
Below, we break down the top car insurance discounts available for your Jeep Cherokee:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Jeep's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Research average auto insurance costs for your car to see how much you're saving with your current provider versus another. Then look for the cheapest car insurance companies.
- 3Look for more than just low rates
Get the most balanced car insurance for your Jeep Cherokee by checking forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Find car insurance discounts you qualify for to get the cheapest rate possible. Cherokee owners most commonly qualify for these five discounts:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Cherokee owners have average household incomes of over $100,000, typically indicating multiple-vehicle households that qualify for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 94% of Cherokee owners being homeowners (with average home values of $200,000), you can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Cherokee owners fall into the mature "Thinkers" demographic who research thoroughly and drive responsibly, with 70% being college graduates, resulting in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Cherokee earned a five-star NHTSA safety rating and includes comprehensive safety technology like Full Speed Forward Collision Warning, Active Braking, stability control, antilock brakes, and multiple airbag systems. These advanced safety features help you qualify for safety discounts with most insurers.
- Family/Multi-Child Discount (5% to 15% savings): With 93% of Cherokee owners having children and 80% being married, Cherokee buyers qualify for family discounts offered by many insurers for households with multiple dependents.
- 5Consider alternative car insurance types
Jeep Cherokee owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Compare car insurance quotes from multiple sources to cut your Jeep Cherokee insurance by up to 24%. Your best deal today won't exist next year, so compare rates annually.
Jeep Cherokee Insurance Cost: Bottom Line
Insuring a Jeep Cherokee costs less than average. Shop multiple companies, explore discounts and consider different coverage options to get the best insurance rate for your car.
Jeep Cherokee Insurance Rates: FAQ
Here are answers to common questions about insuring a Jeep Cherokee.
What is the average cost of car insurance for a Jeep Cherokee?
The Jeep Cherokee's average annual insurance cost is $916 for minimum coverage and $1,773 for full coverage.
What company has the cheapest car insurance for a Jeep Cherokee?
GEICO offers the most affordable full coverage car insurance for Cherokee drivers, with average monthly premiums of $120. GEICO also has the cheapest minimum coverage rates at $56 monthly.
Are Jeep Cherokees expensive to insure?
No, Jeep Cherokee insurance costs less than most cars. Compared to the rest of the models on the U.S. market, a Jeep Cherokee ranks 167th out of 827. Among midsize SUVs, the model ranks as the 7th most affordable vehicle to insure.
What factors affect insurance costs for Jeep Cherokees?
Several things drive up your Jeep Cherokee rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather-related risks will raise prices.
How can I lower Jeep Cherokee insurance costs?
Shop around with multiple insurers since rates vary for Jeeps, and consider usage-based insurance programs that track your driving habits. Use discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Jeep Cherokee Insurance Costs
Jeep Cherokee drivers need accurate insurance cost data to budget and compare rates effectively. We analyzed hundreds of millions of quote estimates across all U.S. models from 2000 to 2025 to show what you'll actually pay.
Sample driver profile for rates:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Good credit score
- Never made an insurance claim
- Drives about 12,000 miles yearly
- Valid driver's license with no suspensions
Coverage definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.