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: September 30, 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 available trim options affect your insurance rates. Newer models cost more to insure because of their higher fair 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. Our research shows monthly premiums range from $57 for basic trims like the Upland to $214 for premium versions like the Latitude Tech Connect, creating substantial savings opportunities through trim selection.
| 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
We've broken down Jeep Cherokee insurance costs by model year and trim to personalize rates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim: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, dramatically impacts Jeep Cherokee insurance costs. Monthly rates can reach $373 if you're a young driver under 25 with no violations, but drop to just $76 monthly for adults between 26-64 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 how much you'll pay for Jeep Cherokee insurance coverage:
- Age (median 45 years): Middle-aged drivers receive 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 claim frequency.
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 ranging from 180-827 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 advanced systems and luxury components increase replacement costs after accidents.
Fuel Type
Most Cherokee models use regular unleaded gasoline (87 octane), though some V6 engines are recommended to use 89 octane for optimal performance.
High-performance models like the Trackhawk require premium fuel. The standard fuel requirements signal to 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 typically receives 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
Based on our analysis, 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
Use the filter below to find which provider offers the best rates for your Jeep Cherokee in your specific location.
Data filtered by:Results filtered by:
Select
State: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:
- 1
Choose 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
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Jeep Cherokee, check 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 times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Cherokee owners will qualify for:
- 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.
- 5
Consider 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.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Jeep Cherokee insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Jeep Cherokee Insurance Cost: Bottom Line
Insuring a Jeep Cherokee costs less than average. Shop multiple companies, look into 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?
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.
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 as rates vary for Jeeps, and consider usage-based insurance programs that track your driving habits. Take advantage of 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 studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Jeep Cherokee insurance costs.
Who We Based These Rates On
These Jeep Cherokee prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
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.