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: November 16, 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 |
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
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:
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.
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 owners need accurate rate data that reflects their specific vehicle, not generic SUV estimates. We analyzed hundreds of millions of insurance quotes across all U.S. vehicle models from 2000 to 2025 to show exactly what Cherokee coverage costs—whether you drive a 2015 Sport or a 2023 Trackhawk. This comprehensive dataset reveals which insurers recognize the Cherokee's solid safety ratings and moderate repair costs with 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
Why this profile works: It represents a neutral risk profile that lets us isolate how your Cherokee's specific model year, trim level and your personal factors—age, driving record, location—affect your actual rates. Cherokee owners are typically middle-aged with clean records, making this profile particularly relevant for this vehicle.
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
This higher liability coverage provides stronger financial protection beyond state minimums. If you cause a serious accident, the difference between minimum 25/50/25 coverage and 100/300/100 coverage could prevent personal financial ruin. Comprehensive and collision coverage protect your Cherokee's value—critical for newer models or financed vehicles.
The Cherokee's insurance costs reflect its 15th place ranking among 59 U.S. automakers for repair affordability (median $821 annually) and its five-star NHTSA safety rating. These factors help Cherokee owners secure lower rates than many competing SUVs. Our analysis accounts for trim-specific variables, the Trackhawk's 707-horsepower engine costs more to insure than a base Sport model, giving you precise estimates rather than broad SUV averages.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.