2021 Jeep Cherokee Car Insurance Calculator

Find out how changes to risk factors and vehicle options affect car insurance rates for a 2021 Jeep Cherokee. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately if the option you change raises or lowers your rate.

The average estimated car insurance premium for a 2021 Jeep Cherokee is $2,394 per year, or about $200 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

$2,394

Cost Per Month

$200

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 2021 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.

$2,394
Average Rate
Your Rate
$2,394

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.

The 'Average Rate' is a combined value for all 2021 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 2021 Jeep Cherokee is $2,394.

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.

2021 Jeep Cherokee vs. the Midsize SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Jeep Cherokee Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,782-$612
2Honda Passport$1,806-$588
3Chevrolet Blazer$1,816-$578
4Kia Telluride$1,832-$562
5Volkswagen Atlas$1,846-$548
6Subaru Ascent$1,860-$534
7Nissan Murano$1,920-$474
8Honda Pilot$1,928-$466
9Buick Enclave$2,000-$394
10Hyundai Palisade$2,008-$386
11Subaru Outback$2,052-$342
12Ford Explorer$2,058-$336
13GMC Acadia$2,070-$324
14Chevrolet Traverse$2,084-$310
15Kia Sorento$2,094-$300
16Toyota 4Runner$2,112-$282
2021 Midsize SUV Average$2,115-$279
17Nissan Pathfinder$2,160-$234
18Mazda CX-9$2,170-$224
19Mitsubishi Outlander Sport$2,178-$216
20Toyota Venza$2,194-$200
21Toyota Highlander$2,202-$192
22Hyundai Santa Fe$2,210-$184
23Dodge Durango$2,290-$104
24Jeep Grand Cherokee$2,350-$44
25Ford Bronco$2,366-$28
26Jeep Wrangler$2,392-$2
27Jeep Cherokee$2,394--
28Mitsubishi Outlander PHEV$2,402$8
29Tesla Model Y$2,750$356

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.

2021 Cherokee Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Jeep Cherokee Insurance Rates by Trim Level
2021 Jeep Cherokee Trim Level Annual Premium Cost Per Month
Latitude 2WD$2,212$184
Latitude 2WD 6 Cyl Gas$2,212$184
Latitude 4WD$2,278$190
Latitude 4WD 6 Cyl Gas$2,278$190
Latitude Plus 2WD$2,278$190
Latitude Plus 2WD 6 Cyl Gas$2,278$190
Latitude Plus 2WD 4 Cyl Turbo$2,340$195
Latitude Plus 4WD$2,340$195
Latitude Plus 4WD 6 Cyl Gas$2,340$195
Latitude Plus 4WD 4 Cyl Turbo$2,406$201
Limited 2WD$2,406$201
Limited 2WD 6 Cyl Gas$2,406$201
Limited 2WD 4 Cyl Turbo$2,470$206
Limited 4WD 4 Cyl Turbo$2,470$206
Limited 4WD 6 Cyl Gas$2,470$206
Trailhawk 4WD 4 Cyl Turbo$2,470$206
Trailhawk 4WD 6 Cyl Gas$2,470$206
Overland 2WD 4 Cyl Turbo$2,534$211
Overland 2WD 6 Cyl Gas$2,534$211
Overland 4WD 4 Cyl Turbo$2,534$211
Overland 4WD 6 Cyl Gas$2,534$211

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 2021 Jeep Cherokee for different driver ages.

2021 Jeep Cherokee Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,941$745
17$8,559$713
18$7,476$623
19$6,866$572
20$5,200$433
21$4,950$413
22$4,396$366
23$3,658$305
24$3,432$286
25$2,772$231
30$2,532$211
35$2,464$205
40$2,394$200
45$2,252$188
50$2,142$179
55$2,000$167
60$2,006$167
65$2,138$178
70$2,354$196
75$2,830$236
80$3,510$293

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.