Jeep Cherokee vs. Subaru Outback – Which Costs Less to Insure?

• When comparing 2023 models, a Subaru Outback has cheaper car insurance rates than a Jeep Cherokee by an average of $512 per year.
• Average car insurance cost per month for the Jeep Cherokee is 22.2% more expensive than the Subaru Outback, at $210 versus $168, a difference of $42.
• Out of 31 models in the 2023 midsize SUV segment, the Jeep Cherokee ranks 25^th and the Subaru Outback ranks seventh for average car insurance affordability.
• If the cheapest insurance payments are a must-have, the X 4WD and Latitude Lux 2WD trims are the cheapest Jeep Cherokee models to insure, while the Base AWD and Premium AWD trims are the cheapest Subaru Outback models to insure.

The Subaru Outback Wilderness edition is making a lot of people reconsider buying a Jeep Cherokee (or even possibly a Wrangler). The increased off-road capabilities of the Wilderness trim level plus the Outback’s pleasant road manners could be a huge win for Subaru.

2023 Jeep Cherokee vs. Subaru Outback

Car insurance for a 2023 Jeep Cherokee averages $2,522 per year, whereas a 2023 Subaru Outback averages $2,010 per year, making the Subaru Outback the winner with cheaper average insurance rates.

Out of five Jeep Cherokee trim levels, the cheapest 2023 trim level to insure is the X 4WD model at an average cost of $2,426 per year, or $202 per month.

For the nine trims available for the Subaru Outback, the cheapest 2023 model to insure is the Base AWD trim at a cost of $1,834.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Subaru Outback Base AWD at an average cost of $1,834 per year. The overall most expensive vehicle to insure is the Jeep Cherokee Limited 4WD costing $2,576 per year.

The rate table below compares the annual and monthly car insurance cost for 2023 Jeep Cherokee and Subaru Outback models, showing average cost for every trim level.

The chart below demonstrates the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2023 Jeep Cherokee, average insurance cost ranges from $2,260 to $5,104 per year for these driver ages. A 2023 Subaru Outback costs from $1,774 to $4,102 to insure per year.

The two tables below display average car insurance rates for each trim level, including an overall average rate. The 2023 Subaru Outback has cheaper average auto insurance rates than the 2023 Jeep Cherokee.

2022 Jeep Cherokee vs. Subaru Outback

The table below compares annual and monthly car insurance cost for the 2022 Jeep Cherokee and Subaru Outback SUVs. Rates are combined for both models and sorted from lowest to highest cost to allow for easier comparison.

The chart below compares the average cost of Jeep Cherokee insurance to average Subaru Outback insurance for the 2022 model years.

For the five trim levels available for the 2022 Jeep Cherokee, the cheapest trim to insure is the X 4WD model at an average cost of $2,378 per year. The 2022 Subaru Outback has eight trims available, with the cheapest model to insure being the AWD trim at an average cost of $1,792 per year.

When rates for all 13 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Subaru Outback AWD at an average of $1,792 per year. The most expensive vehicle to insure is the Jeep Cherokee Limited 4WD at an average cost of $2,524 per year.

The next two rate tables display the average insurance cost by trim level for both 2022 models, as well as the overall average rate for each model. The winner for the 2022 car insurance cost comparison is the Subaru Outback.

2021 Jeep Cherokee vs Subaru Outback

For the 2021 Jeep Cherokee and Subaru Outback models, the Subaru Outback has cheaper car insurance cost by an average of $328 per year.

The chart shown below illustrates the average cost to insure both models rated for different driver ages. The average cost of car insurance ranges from $2,178 to $4,944 per year for a 2021 Jeep Cherokee, and $1,858 to $4,312 for a 2021 Subaru Outback for the illustrated age groups.

Out of 21 trims for the 2021 Jeep Cherokee, the cheapest insurance rates are on the Latitude 2WD model at a cost of $2,244 per year. For the 11 trim levels available for the Subaru Outback, the cheapest 2021 model to insure is the AWD model at a cost of $1,912.

When auto insurance rates for all 32 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Subaru Outback AWD at an average of $1,912 per year. The highest-cost model and trim is the Jeep Cherokee Overland 4WD 6 Cyl Gas at an average cost of $2,574 per year.

The tables shown below show average cost to insure each trim level for a 2021 Jeep Cherokee and Subaru Outback, plus the average rate for each model. The cheapest of the two models to insure for the 2021 model year is the Subaru Outback.

2020 Jeep Cherokee vs Subaru Outback

When comparing average insurance rates for 2020 models, a Jeep Cherokee costs an average of $2,372 per year to insure and a Subaru Outback costs $2,036, making the Subaru Outback cheaper to insure by $336 per year for 2020.

The chart shown below demonstrates the average cost to insure the two models for a range of driver ages. For a 2020 Jeep Cherokee, average car insurance cost ranges from $2,130 to $4,828 per year for the age groups used in this illustration. A 2020 Subaru Outback costs from $1,800 to $4,178 to insure per year.

The 2020 Jeep Cherokee has 21 trim levels available, with the cheapest model to insure being the Latitude 2WD trim at an average cost of $2,196 per year.

For the 11 trims available for the Subaru Outback, the cheapest 2020 trim to insure is the AWD trim at a cost of $1,854.

When insurance prices for all 32 trim levels for the 2020 model year of both models are compared, the overall cheapest vehicle to insure is the Subaru Outback AWD at an average cost of $1,854 per year, and the most expensive trim is the Jeep Cherokee Overland 4WD 6 Cyl Gas at an average cost of $2,512 per year.

The tables shown below show average car insurance rates for each trim level, plus an average rate for each model.

2019 Jeep Cherokee vs Subaru Outback

When comparing car insurance rates for the 2019 Jeep Cherokee and Subaru Outback models, the Subaru Outback is cheaper by an average of $334 per year for 2019.

The rate chart below displays the average cost to insure both 2019 models rated for drivers aged 20 to 50. For a 2019 Jeep Cherokee, average insurance cost ranges from $1,924 to $4,370 per year for the age groups used in the chart. A 2019 Subaru Outback costs from $1,602 to $3,708 to insure per year.

For the nine trims available for the 2019 Jeep Cherokee, the cheapest trim level to insure is the Latitude 2WD model at an average cost of $1,982 per year. The 2019 Subaru Outback has six trims available, with the cheapest trim to insure being the 2.5I AWD model at an average cost of $1,654 per year.

When rates for all 15 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Subaru Outback 2.5I AWD at an average of $1,654 per year, and the most expensive vehicle to insure is the Jeep Cherokee Overland 4WD at an average of $2,286 per year.

The tables below display the average cost to insure all 2019 trim levels, as well as the overall average rate for each model. The cheapest of the two models to insure for the 2019 model year is the Subaru Outback.

2018 Jeep Cherokee vs Subaru Outback

For the 2018 Jeep Cherokee and Subaru Outback models, the Subaru Outback has cheaper car insurance rates by an average of $294 per year for this model year.

The rate chart below illustrates the average cost to insure the two models for drivers aged 20 to 50. Insurance cost ranges from $1,792 to $4,054 per year for a 2018 Jeep Cherokee, and $1,506 to $3,468 for a 2018 Subaru Outback for the included driver ages.

Out of 13 trim levels for the 2018 Jeep Cherokee, the cheapest rates are on the Latitude 2WD trim at a cost of $1,910 per year. For the six trim levels available for the Subaru Outback, the cheapest 2018 model to insure is the 2.5I AWD model at a cost of $1,522.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Subaru Outback 2.5I AWD at an average of $1,522 per year, and the most expensive trim is the Jeep Cherokee Overland 4WD costing $2,196 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2018 models, along with an average cost for each model. The 2018 Subaru Outback has lower-cost car average car insurance rates than the 2018 Jeep Cherokee.

2017 Jeep Cherokee vs Subaru Outback

When comparing insurance cost for 2017 models, the Jeep Cherokee costs an average of $1,954 per year to insure and the Subaru Outback costs $1,614, making the Subaru Outback the winner by $340.

The rate chart below shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2017 Jeep Cherokee, average insurance cost ranges from $1,756 to $3,966 per year for the driver ages used. A 2017 Subaru Outback costs from $1,430 to $3,290 to insure per year.

Out of nine trims for the 2017 Jeep Cherokee, the cheapest car insurance rates are on the Sport 2WD trim at a cost of $1,798 per year. The 2017 Subaru Outback has six trims available, with the cheapest trim level to insure being the 2.5I AWD model at an average cost of $1,464 per year.

When rates for all 15 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Subaru Outback 2.5I AWD at an average rate of $1,464 per year. The most expensive model and trim level is the Jeep Cherokee Overland 4WD at an average of $2,122 per year.

The next tables show the average cost to insure all 2017 trim levels, along with the average rate for each model. The 2017 Subaru Outback wins out over the 2017 Jeep Cherokee for the cheapest average car insurance rates.

2016 Jeep Cherokee vs Subaru Outback

When comparing insurance rates for 2016 models, a Jeep Cherokee costs an average of $1,604 per year to insure and a Subaru Outback costs $1,474, making the Subaru Outback cheaper to insure by $130 per year for this model year.

The rate chart below shows the average cost to insure both 2016 models using different driver ages. Average insurance cost ranges from $1,438 to $3,230 per year for a 2016 Jeep Cherokee, and $1,310 to $2,992 for a 2016 Subaru Outback for the illustrated age groups.

For the nine trims available for the 2016 Jeep Cherokee, the cheapest model to insure is the Sport 2WD trim at an average cost of $1,460 per year. The 2016 Subaru Outback has four trim levels available, with the cheapest model to insure being the 2.5I 4WD model at an average cost of $1,378 per year, or about $115 per month.

When car insurance rates for all 13 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Subaru Outback 2.5I 4WD at an average of $1,378 per year. The overall most expensive vehicle to insure is the Jeep Cherokee Overland 4WD at a cost of $1,756 per year.

The next two rate tables show trim level insurance rates for each 2016 model, along with the average rate for each model.

2015 Jeep Cherokee vs Subaru Outback

When comparing insurance cost for the 2015 Jeep Cherokee and Subaru Outback models, the Subaru Outback has cheaper rates by an average of $236 per year for 2015.

The next chart visualizes the average cost to insure both 2015 models using a range of rated driver ages. The average car insurance cost ranges from $1,402 to $3,164 per year for a 2015 Jeep Cherokee, and $1,176 to $2,682 for a 2015 Subaru Outback for the driver ages used.

The 2015 Jeep Cherokee has seven trims available, with the cheapest trim level to insure being the Sport 2WD trim at an average cost of $1,472 per year.

For the four trims available for the Subaru Outback, the cheapest 2015 model to insure is the 2.5I 4WD model at a cost of $1,286.

When rates for all 11 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Subaru Outback 2.5I 4WD at an average cost of $1,286 per year, and the most expensive model and trim level is the Jeep Cherokee Limited 4WD at an average cost of $1,656 per year.

The two tables below illustrate trim level insurance cost averages for both 2015 models, along with the average rate for each model. The cheapest model to insure for the 2015 model year is the Subaru Outback.

Additional Jeep Cherokee and Subaru Outback Resources

• Jeep Cherokee Insurance Rates
• Subaru Outback Insurance Rates
• Midsize SUV Insurance Rate Comparisons