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
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 |
Jeep Cherokee Insurance Cost by Company
Insurance ranges from $88 to $198 monthly. Minimum coverage spans $56 to $134, while full coverage costs $120 to $283.
| 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
Insurance rates vary depending on where you live. It can range 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 age and driving record affect your insurance costs. Monthly rates range from $373 for young drivers under 25 with no violations to $76 per month for adults aged 26 to 64 without any 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?
A Jeep Cherokee ranks 167th out of 827, so it is one of the more affordable cars to insure. This car model ranks as the 7th most affordable vehicle to insure among midsize SUVs.
| 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
Your Jeep Cherokee insurance premium depends on several factors:
Average Repair or Replacement CostsJeep ranks 15th in repair affordability among 59 U.S. automakers, with median annual costs of $821. Jeep Cherokee repair costs average $891 annually, the third most affordable model in Jeep's lineup.
Vehicle Trim, Features and AccessoriesCherokee horsepower ranges from 180 to 827 in the Trackhawk trim. Off-road trims add Quadra-Trac 4WD and trail-rated equipment. Premium trims add Uconnect infotainment.
Higher trims add leather seating and panoramic sunroofs. Performance brakes on these trims cost more to replace after an accident.
Fuel TypeMost Cherokee models run on regular 87-octane gasoline. V6 engines need 89 octane for best performance.
High-performance models like the Trackhawk need premium fuel. Insurers rate the standard-fuel Cherokee as a mainstream SUV with moderate risk.
LocationCherokee owners cluster in Oklahoma, Michigan and Wyoming, where off-road driving is common. That usage raises the odds of comprehensive claims from off-road incidents and severe weather.
Driver ProfileMost Cherokee drivers are middle-aged men: the median age is 45, and 60% are male. Household income averages $125,000 to $175,000, with 70% holding college degrees and 80% married with families. Insurers price the Cherokee favorably for this stable, established driver base.
Driver demographics affect Cherokee rates:
- 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 support comprehensive coverage purchases. SUV usage itself raises the odds of a claim.
How to Lower the Cost of Jeep Cherokee Insurance
We show the top car insurance discounts available for your Jeep Cherokee:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Cherokee. If you own your Jeep, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Find standard rates by researching average auto insurance costs for compact SUVs. This baseline helps spot competitive pricing when comparing the cheapest car insurance companies.
- 3Look for more than just low rates
Finding solid car insurance requires checking more than quotes. Review J.D. Power satisfaction scores, read forum posts about claims, examine Better Business Bureau records and verify AM Best financial ratings. Cheap policies may include poor service or coverage gaps.
- 4Explore discounts you qualify for
Track down car insurance discounts matching your profile. Jeep Cherokee owners commonly qualify for safety features discounts, multi-vehicle discounts, bundling discounts, good driver discounts and anti-theft discounts.
- 5Consider alternative car insurance types
Jeep Cherokee owners should consider usage-based insurance or GEICO DriveEasy that reward careful driving with lower rates.
- 6Check rates every year
Gather car insurance quotes from multiple insurers annually. Companies change rates constantly, and shopping each year can reduce your Jeep Cherokee insurance by up to 24%.
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.
The Jeep Cherokee's average annual insurance cost is $916 for minimum coverage and $1,773 for full coverage.
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.
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.
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.
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
We analyzed hundreds of millions of insurance quotes across every U.S. vehicle model from 2000 to 2025, covering Cherokee trims from the 2015 Sport to the 2023 Trackhawk. This data shows which insurers price the Cherokee's safety ratings and repair costs into lower premiums.
We used a baseline 40-year-old unmarried male driver to establish rate comparisons:
- Clean record (no tickets or accidents)
- Good credit score
- Never filed an insurance claim
- Drives approximately 12,000 miles annually
- Valid driver's license with no suspensions
This neutral risk profile isolates how your Cherokee's model year and trim affect your rate, separate from your age, driving record and location. Cherokee owners tend to be middle-aged with clean records. That profile fits this vehicle well.
Minimum coverage meets your state's required liability limits, covering damage you cause to others' property and injuries.
Full coverage includes 100/300/100 liability limits plus comprehensive and collision:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $1,000 deductible on both comprehensive and collision
Higher liability coverage adds a real cushion beyond your state's minimum. If you cause a serious accident, the gap between 25/50/25 coverage and 100/300/100 coverage can mean the difference between paying out of pocket and staying financially whole. Comprehensive and collision coverage protect your Cherokee's value. This matters for newer or financed vehicles.
The Cherokee's 15th place ranking among 59 U.S. automakers for repair affordability (median $821 annually) and its five-star NHTSA safety rating both push its insurance costs down. These factors help Cherokee owners get lower rates than many competing SUVs. Trim matters too: the Trackhawk's 707-horsepower engine costs more to insure than a base Sport model. Our analysis accounts for these trim-specific variables, giving you precise estimates instead of broad SUV averages.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek, analyzing hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.