A Jeep Cherokee's annual full coverage car insurance ranges from $1,080 to $6,012. Rates vary greatly depending on the model year, age, where you live, driving history, coverage level and insurer. MoneyGeek breaks down the costs and coverage, offering insights into the best and most affordable insurers.
Jeep Cherokee Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the lowest insurance rates for Jeep Cherokees at $532 annually.
Jeep Cherokee owners pay around $647 annually for minimum coverage and $1,380 for full coverage.
MoneyGeek analyzed 2,689 Jeep Cherokee insurance quotes from Quadrant Information Services to provide these insights.
Jeep Cherokee Insurance Rates
What Is the Average Jeep Cherokee Car Insurance Cost?
The average cost of full coverage insurance for a Jeep Cherokee is $115 per month or $1,380 annually, based on a 40-year-old male with a clean driving record. Expect to pay around $54 monthly or $647 yearly for minimum coverage.
| Minimum Coverage | $647 |
| Full Coverage | $1,380 |
Jeep Cherokee Insurance Costs by Company
Jeep Cherokee insurance costs range from $1,107 to $1,934 annually, influenced by age, model year and coverage level. The table below compares average rates with those for all vehicles from several national and midsize insurers.
| Allstate | $1,501 | $1,812 | -17% |
| Auto-Owners | $1,121 | $1,227 | -9% |
| Farmers | $1,679 | $1,956 | -14% |
| GEICO | $1,205 | $1,332 | -10% |
| Kemper | $1,934 | $2,212 | -13% |
| Nationwide | $1,489 | $1,588 | -6% |
| Progressive | $1,613 | $1,743 | -7% |
| State Farm | $1,230 | $1,268 | -3% |
| Travelers | $1,447 | $1,521 | -5% |
| USAA | $1,107 | $1,199 | -8% |
Read more: Best Car Insurance Companies
Cost of Insuring a Jeep Cherokee by Model Year
The year your Jeep Cherokee was produced can impact your insurance rates, with older models often costing less. For example, a 2022 model has a full coverage rate of $1,535, while it's $1,305 for a 2014 model. Below, find the average full and minimum coverage rates for each production year.
| 2022 | $641 | $1,535 |
| 2021 | $665 | $1,450 |
| 2020 | $640 | $1,428 |
| 2019 | $668 | $1,411 |
| 2018 | $668 | $1,388 |
| 2017 | $666 | $1,360 |
| 2016 | $662 | $1,332 |
| 2015 | $665 | $1,309 |
| 2014 | $654 | $1,305 |
Jeep Cherokee Insurance Costs by Driver Age
Jeep Cherokee insurance rates vary significantly depending on the driver's age. For example, the average annual full coverage rate for 40-year-olds is $1,391, while 16-year-olds pay $6,012. Below are the average full and minimum coverage rates for different ages.
| 16 | $3,019 | $6,012 |
| 17 | $2,457 | $4,906 |
| 18 | $2,141 | $4,318 |
| 19 | $1,521 | $3,080 |
| 20 | $1,365 | $2,799 |
| 21 | $1,084 | $2,260 |
| 22 | $988 | $2,078 |
| 23 | $916 | $1,939 |
| 24 | $869 | $1,845 |
| 25 | $772 | $1,651 |
| 26 | $750 | $1,597 |
| 27 | $732 | $1,562 |
| 28 | $720 | $1,538 |
| 29 | $709 | $1,516 |
| 30 | $685 | $1,463 |
| 35 | $666 | $1,417 |
| 40 | $659 | $1,391 |
| 45 | $653 | $1,372 |
| 50 | $637 | $1,331 |
| 55 | $621 | $1,295 |
| 60 | $621 | $1,290 |
| 65 | $661 | $1,348 |
| 70 | $718 | $1,443 |
| 75 | $798 | $1,582 |
| 80 | $905 | $1,760 |
| 85 | $979 | $1,887 |
| 90 | $1,033 | $1,977 |
Jeep Cherokee Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, insurers also consider vehicle-specific factors. Below is a breakdown of these cost factors.
Jeep Cherokee Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Jeep Cherokee
Average Full Coverage Rate
$1,380Premiums for Jeep Cherokee are:$84 more
This is 6% more expensive.
Value
The Jeep Cherokee's MSRP is $68,835, categorizing it as a luxury vehicle. Higher MSRPs often result in increased insurance costs due to the high value of luxury models.
Repair costs
The Jeep Cherokee's annual repair cost is $520, below the national average. Lower repair expenses can reduce insurance premiums since parts are more affordable to replace.
Performance
The Jeep Cherokee's 293 horsepower and 0-to-60 time of 5.3 seconds suggest it isn't a high-performance vehicle, which may help lower insurance costs.
Vehicle age
Newer Jeep Cherokees are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions and costly to insure.
Safety features
Safety features such as stability control, airbags and antilock brakes can help lower insurance costs. The Jeep Cherokee’s 5 out of 5 NHTSA safety rating further enhances its safety profile.
Vehicle size
Larger vehicles like the Jeep Cherokee, with a curb weight of 4,250 lbs, may cost more to insure due to increased property damage potential.
Trim level
Higher trim levels of the Jeep Cherokee come with premium upgrades, increasing the MSRP and resulting in higher insurance costs than the base model.
Theft rates
Vehicles at higher theft risk often incur higher insurance costs. However, the Jeep Cherokee's theft relative claims frequency of 49 suggests a relatively low risk, which may not significantly impact insurance rates.
Cheapest Jeep Cherokee Insurance
State Farm offers the cheapest minimum coverage for Jeep Cherokee at $532 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable car insurance rates for different coverage levels, age groups, driving records, model years and more.
Cheapest Jeep Cherokee Insurance by Coverage Level
Choosing the right coverage level can greatly affect your Jeep Cherokee insurance costs. State Farm offers the most affordable minimum coverage, while GEICO provides the cheapest full coverage. Below is a breakdown of the low-cost providers for both types.
Cheapest Jeep Cherokee Minimum Coverage
State Farm offers the cheapest minimum coverage for Jeep Cherokee at $44 monthly. GEICO, Travelers and Allstate also provide competitive rates ranging from $45 to $58.
| USAA | $40 | $482 |
| State Farm | $44 | $532 |
| GEICO | $45 | $542 |
| Travelers | $56 | $667 |
| Allstate | $58 | $696 |
| Progressive | $60 | $716 |
| Farmers | $62 | $750 |
| Nationwide | $63 | $753 |
*State Farm offers non-military-affiliated Jeep Cherokee owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Jeep Cherokee Insurance Rates by Model Year
Because the above list doesn't consider the model production year, lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every Jeep Cherokee production year.
Data filtered by:Results filtered by:
Select
Model Year:2014
| Allstate | $724 | $60 |
| Farmers | $703 | $59 |
| GEICO | $568 | $47 |
| Nationwide | $738 | $62 |
| Progressive | $730 | $61 |
| State Farm | $492 | $41 |
| Travelers | $667 | $56 |
| USAA | $484 | $40 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Jeep Cherokee Insurance
GEICO offers the cheapest full coverage for a Jeep Cherokee at $1,179 annually or $98 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $90 | $1,080 |
| GEICO | $98 | $1,179 |
| State Farm | $100 | $1,195 |
| Nationwide | $118 | $1,414 |
| Travelers | $120 | $1,437 |
| Allstate | $120 | $1,443 |
| Progressive | $129 | $1,547 |
| Farmers | $132 | $1,580 |
*On average, GEICO is the cheapest insurer for non-military-affiliated Jeep Cherokee owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Jeep Cherokee Insurance by Age
Young drivers aged 16 to 25 and seniors 55 and older often face higher Jeep Cherokee insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Jeep Cherokee Insurance for Young Drivers
State Farm offers the most affordable car insurance for young drivers, starting at $97 per month or $1,167 annually for minimum coverage. Below is the complete list of the cheapest rates for Jeep Cherokee drivers aged 16 to 25.
| USAA | $84 | $1,011 |
| State Farm | $97 | $1,167 |
| GEICO | $109 | $1,308 |
| Travelers | $117 | $1,399 |
| Allstate | $135 | $1,623 |
| Progressive | $167 | $2,009 |
| Nationwide | $168 | $2,013 |
| Farmers | $169 | $2,025 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Jeep Cherokee Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $49 monthly or $586 annually. Below is the full list of cheap Jeep Cherokee insurers to help you compare options.
| State Farm | $49 | $586 |
| USAA | $54 | $644 |
| GEICO | $54 | $650 |
| Travelers | $67 | $800 |
| Allstate | $71 | $852 |
| Nationwide | $74 | $885 |
| Progressive | $76 | $914 |
| Farmers | $84 | $1,008 |
Cheapest Jeep Cherokee Insurance After an Accident
State Farm, GEICO and Allstate offer Jeep Cherokee drivers the cheapest car insurance after an accident. Check out the complete list below for more options.
| State Farm | $56 | $667 |
| USAA | $62 | $739 |
| GEICO | $72 | $858 |
| Allstate | $80 | $956 |
| Travelers | $81 | $972 |
| Nationwide | $98 | $1,176 |
| Progressive | $98 | $1,177 |
| Farmers | $121 | $1,450 |
Jeep Cherokee Insurance Cost: Bottom Line
Compare rates from multiple providers to find the cheapest car insurance. This article details Jeep Cherokee insurance costs across demographics and highlights the most affordable providers.
Jeep Cherokee Insurance Rates: FAQ
Below are answers to common questions about Jeep Cherokee insurance costs, including affordable plans and minimum coverage options.
What company has the cheapest car insurance for a Jeep Cherokee?
State Farm is the cheapest car insurance provider for a Jeep Cherokee, offering an annual minimum coverage rate of $532.
What is the average cost of car insurance for a Jeep Cherokee?
The average annual cost of minimum coverage insurance for a Jeep Cherokee is $647. Full coverage insurance averages $1,380.
Jeep Cherokee Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,689 Jeep Cherokee insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Jeep Cherokee:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Jeep Cherokee insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Jeep Cherokee.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.