Jeep Cherokee Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Jeep Cherokee as the average SUV.
• Full coverage for a Cherokee usually tends to be about $156 monthly, while liability only insurance premiums run around $80.
• ACG provides the cheapest average premiums for a Cherokee with liability only coverage offered for as cheap as $21 a month.

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Cherokee Overview

With 2021 models starting at $26,290, the Jeep Cherokee is a great budget-friendly option for any driver. Drive off the dealership lot in style, with a choice of five different trim options.

Based on looking at thousands of car insurance quotes from Compare.com, we've found that average Jeep Cherokee insurance prices run about $151 monthly. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for a Jeep Cherokee?

In the table above, you'll find that compared to other vehicles, Jeep Cherokee insurance rates are right around average. Cherokee drivers can expect to pay about $156 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 per month for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models from Jeep, the Cherokee's insurance price is matches the rest of the automaker's vehicle lineup. But compared to other vehicles of a similar body style, Cherokee coverage is more expensive than average, with liability insurance prices averaging exactly the same rates, but full coverage insurance premiums coming in at $5 more than other SUVs.

When compared to all vehicles of any body type, liability only rates for the Cherokee run around the same, while full coverage auto insurance is lower than average.

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Who has the Cheapest Car Insurance for a Jeep Cherokee?

Looking for a car insurance policy for your Jeep Cherokee? You might want to know which carrier offers the cheapest prices. Even though prices can vary considerably from person to person, the most affordable average rates for liability only insurance are sometimes as low as $21 monthly from ACG. The next lowest company is American Family, who offers insurance as cheap as just $28 per month.

Completing the top 5 companies are Kemper Personal Insurance, StateAuto, and Hugo. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a multitude of factors into consideration when calculating monthly prices. There's only one way to make sure you find the most affordable possible rates, and that's by pulling quotes from a lot of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Jeep Cherokee?

There are a variety of variables that car insurance companies look at to decide how much to charge for insurance -- and every carrier weighs different variables more heavily than others, so there's not just one company that's the lowest for each Cherokee owner.

The sections below show quite a few things car insurance carriers use to calculate rates:

Vehicle Age

Jeep has been making the Cherokee for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go down.

Based on the information in the above table, the Jeep Cherokee follows this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are Cherokees that are 4 to 5 years old.

Your Age

How old you are makes a big difference in how much car insurance companies will charge for a policy. As you can see above, drivers with more experience on the road have more affordable premiums compared to teenage drivers. Jeep Cherokee drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Cherokee drivers.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Cherokee drivers specifically, women pay about 4% less than men a month for insurance.

Where You Live

It may seem like common sense that variables such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live can matter just as much? Auto insurance is regulated on the state level rather than nationally, so premiums can shift quite a bit depending on what state you live in.

For example, the average Jeep Cherokee driver from New York pays around $179 monthly for liability coverage. Meanwhile, the same owner in California will pay less than 50% of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

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Jeep Cherokee Car Insurance Discounts

Regardless of which vehicle you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your insurance is always the smart move when shopping around for a policy.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Multi-car discounts for adding more than one vehicle to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

These discounts are great, but sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

You've almost certainly heard ads from insurance carriers posting big savings for responsible drivers. And you probably wouldn't be surprised that if you get into an accident or get a ticket for speeding, car insurance premiums will go up. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll notice that accidents will usually cost Cherokee drivers more than tickets, but both will result in higher than average rates. Jeep Cherokee drivers with one accident on their record pay about $105 each month (up $25 from the $80/mo. overall average), while drivers with a single ticket will pay an average of $91 a month. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

The total distance you drive each year impacts your auto insurance prices. Those who drive less often are more likely to go accident-free, so they'll normally end up paying less for insurance. Based on the table above, you can see that Jeep Cherokee owners who drive fewer than 2,500 miles every year pay about $71 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $78.

But if you don't drive much because have a second vehicle or you work from home, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Jeep Cherokees Compare to Other Vehicles?

If you're considering buying a new vehicle and a Jeep Cherokee is on your shortlist, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Jeep Cherokee stacks up:

Overall, the Jeep Cherokee is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The Cherokee retails at $26,290, which is quite a bit lower than the national average vehicle price of $46,296.

Although the purchase price is on the cheaper end of the spectrum, insurance rates are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Jeep Cherokee is about $12 a month cheaper than average, while liability only coverage is $14 higher monthly.

When it comes to usage, Jeep Cherokee owners drive about the same amount annually as the national average, with 10,768 miles per year compared to 11,617 for all vehicles.

Jeep Cherokee Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on how much the average driver pays to insure a Jeep Cherokee. But if you're considering buying a new vehicle and the Cherokee is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.

Choose Your Model

2021 Jeep Cherokee Car Insurance 2020 Jeep Cherokee Car Insurance 2019 Jeep Cherokee Car Insurance 2018 Jeep Cherokee Car Insurance 2017 Jeep Cherokee Car Insurance 2016 Jeep Cherokee Car Insurance 2015 Jeep Cherokee Car Insurance 2014 Jeep Cherokee Car Insurance

2021 Jeep Cherokee Car Insurance

On average, drivers who own a 2021 Cherokee can expect to pay $95 to $157 per month for liability only and full coverage auto insurance, respectively.

With rates sometimes as little as $36 a month, SafeAuto offered the cheapest policy we found.

Want to know exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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2020 Jeep Cherokee Car Insurance

2020 Jeep Cherokee drivers can expect to pay an average of $95 per month for liability or $192 for full coverage.

With premiums as little as $19 monthly, Safeco offered the most affordable policy we found for the 2020 Jeep Cherokee.

If you're looking for a more exact figure on what you should pay for car insurance for a 2020 Jeep Cherokee, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Jeep Cherokee Car Insurance

You can expect full coverage for a 2019 Cherokee to run around $166 a month, while liability only coverage will average about $92 monthly.

Safeco has prices as little as just $20 per month for the 2019 Jeep Cherokee.

If you want to find the best premiums for insurance for a 2019 Jeep Cherokee, enter your ZIP code below and compare many personalized quotes in just a few minutes.

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2018 Jeep Cherokee Car Insurance

The average cost to insure a 2018 Jeep Cherokee with liability only coverage is $85 a month, while full coverage runs around $167 monthly.

We found MetLife offered the cheapest policy, with rates as low as $21 per month.

While these are good estimates of what the average driver might pay to insure a 2018 Jeep Cherokee, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 Jeep Cherokee Car Insurance

It costs about $98 a month for liability or $162 for a full coverage policy for the 2017 Cherokee.

Liberty Mutual offered the lowest policy we found, with rates as low as just $18 per month.

If you want to know exactly how much you can expect to pay for your Cherokee, get free quotes in minutes by just entering your ZIP code below.

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2016 Jeep Cherokee Car Insurance

2016 Jeep Cherokee drivers can expect to pay an average of $81 a month for liability or $152 for full coverage.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $17 monthly.

Want to find the lowest rates? Just enter your ZIP code below to get several free personalized quotes.

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2015 Jeep Cherokee Car Insurance

It costs around $93 per month for liability or $151 for a full coverage policy for the 2015 Cherokee.

If you're looking for the most affordable 2015 Jeep Cherokee insurance policy, Hugo offered the cheapest policy we found, with rates sometimes as low as $17 monthly.

If you want to know exactly how much you can expect to pay for your Cherokee, just enter your ZIP code below and get free quotes in minutes.

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2014 Jeep Cherokee Car Insurance

On average, drivers who own a 2014 Jeep Cherokee can expect to pay $85 to $145 a month for liability only and full coverage auto insurance, respectively.

MetLife offered the most affordable policy we found, with rates sometimes as cheap as $17 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

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Jeep Cherokee Insurance FAQs

Is a Jeep Cherokee expensive to insure?

Liability insurance runs an average of $80 a month, while full coverage will cost you around $156. The cost of insurance for the Jeep Cherokee is about on par with the average vehicle.

How can I get the best price on car insurance for my Jeep Cherokee?

The only way to ensure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a whole bunch of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a multitude of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Jeep Cherokee affect my insurance prices?

Have you heard the old adage that red cars cost more to insure before? Well, that's simply not true. While there are a variety of factors auto insurance companies look at when they decide how much your policy will be, your vehicle's color isn't one of them.

Do I need to have insurance before I buy a Jeep Cherokee?

Before you can legally drive your new (or new to you) Cherokee off the dealership lot, you'll need to have an insurance policy in place. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a an SUV is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Jeep Cherokee?

There are tons of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Cherokee has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, reach out to your insurance company and ask about their list of discounts, since they differ quite a bit from carrier to carrier.