Jeep Cherokee Car Insurance Calculator

Observe in real-time how life choices influence insurance rates for a Jeep Cherokee. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly how much rates change and learn exactly why.

The average estimated car insurance premium for a 2023 Jeep Cherokee is $2,464 per year, or about $205 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,464

Cost Per Month

$205

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Jeep Cherokee Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Jeep Cherokee.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,464
Average Rate
Your Rate
$2,464

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Jeep Cherokee.

The 'Average Rate' is a combined value for all Jeep Cherokee trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Jeep Cherokee is $2,464.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Jeep Cherokee vs. the Midsize SUV Segment

The table below compares insurance rates for the 2023 Jeep Cherokee against all other models in the midsize SUV segment. The Jeep Cherokee is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Jeep Cherokee, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Jeep Cherokee.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Jeep Cherokee Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,774-$690
2Subaru Ascent$1,854-$610
3Ford Edge$1,932-$532
4Volkswagen Atlas$1,946-$518
5Ford Explorer$1,950-$514
6Nissan Murano$1,958-$506
7Subaru Outback$1,964-$500
8Volkswagen Atlas Cross Sport$2,036-$428
9Toyota Venza$2,076-$388
10Kia Sorento$2,092-$372
11Hyundai Palisade$2,118-$346
12Toyota 4Runner$2,134-$330
13GMC Acadia$2,168-$296
14Chevrolet Traverse$2,174-$290
15Honda Pilot$2,192-$272
16Buick Enclave$2,196-$268
17Nissan Pathfinder$2,210-$254
18Mazda CX-9$2,220-$244
2023 Midsize SUV Average$2,227-$237
19Mitsubishi Outlander Sport$2,252-$212
20Kia Telluride$2,266-$198
21Toyota Highlander$2,284-$180
22Chevrolet Blazer$2,306-$158
23Hyundai Santa Fe$2,336-$128
24Jeep Grand Cherokee$2,420-$44
25Jeep Cherokee$2,464--
26Jeep Wrangler$2,514$50
27Ford Bronco$2,536$72
28Tesla Model Y$2,548$84
29Mitsubishi Outlander PHEV$2,606$142
30Dodge Durango$2,708$244
31Rivian R1S$2,790$326

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 Cherokee Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Jeep Cherokee.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Jeep Cherokee Insurance Rates by Trim Level
2023 Jeep Cherokee Trim Level Annual Premium Cost Per Month
X 4WD$2,370$198
Latitude Lux 2WD$2,450$204
Latitude Lux 4WD$2,484$207
Trailhawk 4WD$2,502$209
Limited 4WD$2,518$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Jeep Cherokee for different driver ages.

2023 Jeep Cherokee Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,131$761
17$8,743$729
18$7,640$637
19$7,022$585
20$5,327$444
21$5,077$423
22$4,510$376
23$3,766$314
24$3,529$294
25$2,856$238
30$2,610$218
35$2,538$212
40$2,464$205
45$2,320$193
50$2,206$184
55$2,062$172
60$2,066$172
65$2,196$183
70$2,416$201
75$2,898$242
80$3,584$299

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Jeep Cherokee trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Jeep Cherokee.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Jeep Cherokee Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2023 Jeep Cherokee$2,464$205
2022 Jeep Cherokee$2,414$201
2021 Jeep Cherokee$2,394$200
2020 Jeep Cherokee$2,318$193
2019 Jeep Cherokee$2,096$175
2018 Jeep Cherokee$1,946$162
2017 Jeep Cherokee$1,908$159
2016 Jeep Cherokee$1,566$131
2015 Jeep Cherokee$1,530$128
2014 Jeep Cherokee$1,468$122

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Jeep Cherokee trim levels for each model year.