Jeep Cherokee Insurance Cost for 2023

How much does car insurance cost for a Jeep Cherokee?

From the X 4WD trim level to the Limited 4WD trim, we looked at insurance rates on the Cherokee to look at how prices rank against similar vehicles.

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How much does Jeep Cherokee insurance cost?

Jeep Cherokee car insurance costs an average of $1,968 per year for a full coverage policy. Monthly insurance cost for a Jeep Cherokee averages $164 and ranges from $158 to $168, depending on the trim level.

With the average midsize SUV costing $1,770 a year to insure, the Jeep Cherokee costs on average $198 more per year.

When comparing the Cherokee to all vehicles, not just other midsize SUV models, it costs $240 more to insure a Jeep Cherokee than the overall average rate of $1,728 per year.

The following chart breaks down average car insurance cost on a 2023 Jeep Cherokee using different risk profiles and driver ages. The cheapest rates are normally reserved for more mature drivers with clean driving records and solid financial stability. On the other end, younger drivers who tend to have high-risk driving tendencies have the highest rates.

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Chart Data Details: Average rates are for a 2023 model year Jeep Cherokee with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Jeep Cherokee trim levels.Data last updated on August 11, 2023
Jeep Cherokee Insurance Cost Summary
2023 Jeep Cherokee Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,466$372
Safe Driver Age 20$3,910$326
At-fault Accidents Age 40$2,806$234
Low Deductibles Age 40$2,460$205
Safe Driver Age 30$2,044$170
Safe Driver Age 40$1,968$164
Safe Driver Age 50$1,794$150
Safe Driver Age 60$1,760$147
High Deductibles Age 40$1,714$143
Discount Rate Age 40$1,628$136

To understand how much rate variability there can be when buying car insurance, consider that insuring a Cherokee with only liability insurance in the most affordable parts of Maine or North Carolina can be as low as $220 a year. On the flip side, a teenager with a couple of driving violations in sketchier neighborhoods in Los Angeles might be as much as $15,430 a year for a policy that provides full coverage.

How do Jeep Cherokee insurance rates compare?

The Jeep Cherokee ranks 25th out of 31 total vehicles in the 2023 midsize SUV segment. The Cherokee costs an average of $1,968 per year for full coverage insurance and the class average cost is $1,770 annually, a difference of $198 per year.

When compared to the best-selling models in the midsize SUV category, car insurance for a Jeep Cherokee costs $42 more per year than the Jeep Grand Cherokee, $162 more than the Toyota Highlander, $426 more than the Ford Explorer, and $410 more than the Subaru Outback.

When Jeep Cherokee insurance rates are compared to all vehicles, not just midsize SUVs, the average cost is 13% more than the national average car insurance rate of $1,728 per year.

The chart below shows how average car insurance rates for a 2023 Cherokee compare to the top 10 selling midsize SUVs in America. For rates on the additional 21 midsize SUVs, a more comprehensive table is included after the chart that ranks insurance costs for every model of midsize SUV for the 2023 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Jeep Cherokee trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Insurance Cost Comparison: Jeep Cherokee vs Top 10 Midsize SUVs
Jeep Cherokee Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,404-$564
2Subaru Ascent$1,472-$496
3Ford Edge$1,534-$434
4Ford Explorer$1,542-$426
5Volkswagen Atlas$1,546-$422
6Nissan Murano$1,554-$414
7Subaru Outback$1,558-$410
8Volkswagen Atlas Cross Sport$1,616-$352
9Toyota Venza$1,650-$318
10Kia Sorento$1,660-$308
11Hyundai Palisade$1,680-$288
12Toyota 4Runner$1,696-$272
13GMC Acadia$1,726-$242
14Chevrolet Traverse$1,730-$238
15Honda Pilot$1,742-$226
16Buick Enclave$1,748-$220
17Nissan Pathfinder$1,760-$208
18Mazda CX-9$1,762-$206
19Mitsubishi Outlander Sport$1,790-$178
20Kia Telluride$1,798-$170
21Toyota Highlander$1,806-$162
22Chevrolet Blazer$1,836-$132
23Hyundai Santa Fe$1,858-$110
24Jeep Grand Cherokee$1,926-$42
25Jeep Cherokee$1,968--
26Jeep Wrangler$2,008$40
27Ford Bronco$2,014$46
28Tesla Model Y$2,026$58
29Mitsubishi Outlander PHEV$2,072$104
30Dodge Durango$2,158$190
31Rivian R1S$2,216$248

When average MSRP for each model in the midsize non-luxury SUV segment is factored in, we can see how the cost of car insurance compares between the Cherokee and other models with similar average cost. A 2023 Cherokee has an average MSRP of $36,678 and ranges from $35,245 to $39,345.

The models that have the most similar average MSRP to the Jeep Cherokee for the 2023 model year are the Subaru Outback, Hyundai Santa Fe, Toyota Venza, and Kia Sorento.

The next list shows how they compare to a 2023 Cherokee by purchase price and average cost of insurance.

  • Compared to the Subaru Outback – With an average sticker price of $36,306 and ranging from $28,395 to $42,292, the Subaru Outback costs $372 less than the Cherokee. Insuring the Subaru Outback costs an average of $410 less every 12 months than the Jeep Cherokee.
  • Compared to the Hyundai Santa Fe – With an average dealer MSRP of $37,841 and ranging from $28,200 to $46,010, the 2023 Hyundai Santa Fe costs $1,163 more than the MSRP for the Cherokee. Insuring a 2023 Cherokee compared to the Hyundai Santa Fe costs an average of $110 more per year.
  • Compared to the Toyota Venza – Having an average purchase price of $38,018 ($33,595 to $41,740), the Toyota Venza costs $1,340 more than the Cherokee. Insurance on a Jeep Cherokee costs an average of $318 more per year than the Toyota Venza.
  • Compared to the Kia Sorento – The Kia Sorento has an average retail price of $38,826, ranging from $29,990 to $49,890, which is $2,148 more expensive than the average cost for the Cherokee. The cost to insure a Jeep Cherokee compared to the Kia Sorento is $308 more per year on average.

To see more comparisons, visit our insurance rate comparisons page for a complete list of available makes and models.

What is the cheapest Jeep Cherokee insurance?

With Jeep Cherokee insurance rates ranging from $1,894 to $2,010 per year for the average driver, the top two cheapest trim levels to insure are the X 4WD and the Latitude Lux 2WD at $1,894 and $1,956 per year.

On average, plan on paying at a bare minimum $158 per month to insure a Cherokee with full coverage, depending on the policy limits.

The most expensive models of Jeep Cherokee to insure are the Limited 4WD and the Trailhawk 4WD. Those trims will cost around $110 more per year to insure over the least expensive X 4WD model.

2021 Jeep Cherokee Trailhawk 4X4 in Spitfire Orange Clear Coat
2021 Jeep Cherokee Trailhawk 4X4 in Spitfire Orange Clear Coat

In most instances, as the cost of a vehicle goes up with trim level and added options, insurance cost also increases. The Cherokee is no exception, so plan on paying higher rates for top-level trim levels.

The following table details average full coverage Jeep Cherokee insurance cost by trim level for annual, semi-annual, and monthly terms for the 2023 model year.

2023 Jeep Cherokee Insurance Cost by Trim Level
Jeep Cherokee Trim Level Annual Policy Six-Month Policy Per Month
X 4WD$1,894$947$158
Latitude Lux 2WD$1,956$978$163
Latitude Lux 4WD$1,984$992$165
Trailhawk 4WD$1,996$998$166
Limited 4WD$2,010$1,005$168

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Jeep Cherokee Insurance Cost by Trim Level

Jeep Cherokee prior model year insurance rates

The following sections detail average Jeep Cherokee insurance rates for every trim level for the 2014 to 2022 model years.

2022 Jeep Cherokee Insurance Rates

Insurance rates for a 2022 Jeep Cherokee average $1,928 per year, or around $161 per month. Rates range from $1,858 per year for the Cherokee X 4WD to $1,968 for the Cherokee Limited 4WD.

Cost per month on this model year ranges from $155 to $164 depending on the trim level. Annual and monthly rates are shown in the table below for each model.

2022 Jeep Cherokee Insurance Cost by Trim Level
2022 Jeep Cherokee Trim Level Annual Rate Per Month
X 4WD$1,858$155
Latitude Lux 2WD$1,916$160
Latitude Lux 4WD$1,942$162
Trailhawk 4WD$1,956$163
Limited 4WD$1,968$164

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2022 Jeep Cherokee Insurance Cost by Trim Level

2021 Jeep Cherokee Insurance Rates

Average insurance rates for a 2021 Jeep Cherokee are $1,916 per year, or around $160 per month. Rates range from $1,774 per year for the Cherokee Latitude 2WD to $2,024 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2021 Jeep Cherokee insurance cost per month ranges from $148 to $169 depending on the trim level as shown in the table below.

2021 Jeep Cherokee Insurance Cost by Trim Level
2021 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,774$148
Latitude 2WD 6 Cyl Gas$1,774$148
Latitude 4WD$1,824$152
Latitude 4WD 6 Cyl Gas$1,824$152
Latitude Plus 2WD$1,824$152
Latitude Plus 2WD 6 Cyl Gas$1,824$152
Latitude Plus 2WD 4 Cyl Turbo$1,874$156
Latitude Plus 4WD$1,874$156
Latitude Plus 4WD 6 Cyl Gas$1,874$156
Latitude Plus 4WD 4 Cyl Turbo$1,924$160
Limited 2WD$1,924$160
Limited 2WD 6 Cyl Gas$1,924$160
Limited 2WD 4 Cyl Turbo$1,976$165
Limited 4WD 4 Cyl Turbo$1,976$165
Limited 4WD 6 Cyl Gas$1,976$165
Trailhawk 4WD 4 Cyl Turbo$1,976$165
Trailhawk 4WD 6 Cyl Gas$1,976$165
Overland 2WD 4 Cyl Turbo$2,024$169
Overland 2WD 6 Cyl Gas$2,024$169
Overland 4WD 4 Cyl Turbo$2,024$169
Overland 4WD 6 Cyl Gas$2,024$169

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2021 Jeep Cherokee Insurance Cost by Trim Level

2020 Jeep Cherokee Auto Insurance Rates

Average insurance rates for a 2020 Jeep Cherokee are $1,896 per year, or around $158 per month. Rates range from $1,756 per year for the Cherokee Latitude 2WD to $2,002 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2020 Jeep Cherokee insurance cost per month ranges from $146 to $167 depending on the trim level as shown in the table below.

2020 Jeep Cherokee Insurance Cost by Trim Level
2020 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,756$146
Latitude 2WD 6 Cyl Gas$1,756$146
Latitude 4WD$1,808$151
Latitude 4WD 6 Cyl Gas$1,808$151
Latitude Plus 2WD$1,808$151
Latitude Plus 2WD 6 Cyl Gas$1,808$151
Latitude Plus 2WD 4 Cyl Turbo$1,856$155
Latitude Plus 4WD$1,856$155
Latitude Plus 4WD 6 Cyl Gas$1,856$155
Latitude Plus 4WD 4 Cyl Turbo$1,904$159
Limited 2WD$1,904$159
Limited 2WD 6 Cyl Gas$1,904$159
Limited 2WD 4 Cyl Turbo$1,954$163
Limited 4WD 4 Cyl Turbo$1,954$163
Limited 4WD 6 Cyl Gas$1,954$163
Trailhawk 4WD 4 Cyl Turbo$1,954$163
Trailhawk 4WD 6 Cyl Gas$1,954$163
Overland 2WD 4 Cyl Turbo$2,002$167
Overland 2WD 6 Cyl Gas$2,002$167
Overland 4WD 4 Cyl Turbo$2,002$167
Overland 4WD 6 Cyl Gas$2,002$167

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2020 Jeep Cherokee Insurance Cost by Trim Level
Jeep emblem on Spitfire Orange Cherokee
Jeep emblem on 2021 Jeep Cherokee Trailhawk 4X4 in Spitfire Orange Clear Coat

2019 Jeep Cherokee Insurance Rates

Insurance rates for a 2019 Jeep Cherokee average $1,718 per year, or about $143 per month. Rates range from $1,590 per year for the Cherokee Latitude 2WD to $1,826 for the Cherokee Overland 4WD.

2019 Jeep Cherokee Insurance Cost by Trim Level
2019 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,590$133
Latitude 4WD$1,636$136
Latitude Plus 2WD$1,636$136
Latitude Plus 4WD$1,684$140
Limited 2WD$1,730$144
Limited 4WD$1,778$148
Trailhawk 4WD$1,778$148
Overland 2WD$1,800$150
Overland 4WD$1,826$152

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2019 Jeep Cherokee Insurance Cost by Trim Level

2018 Jeep Cherokee Insurance Rates

2018 Jeep Cherokee car insurance rates average $1,624 per year, or around $135 per month. Cost ranges from $1,560 per year for the Cherokee Latitude 2WD to $1,786 for the Cherokee Overland 4WD.

2018 Jeep Cherokee Insurance Cost by Trim Level
2018 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,560$130
Latitude 4WD$1,560$130
Longitude 2WD$1,560$130
Longitude 4WD$1,560$130
Sport 2WD$1,560$130
Sport 4WD$1,560$130
Latitude Plus 2WD$1,604$134
Latitude Plus 4WD$1,604$134
Limited 2WD$1,650$138
Limited 4WD$1,696$141
Trailhawk 4WD$1,696$141
Overland 2WD$1,740$145
Overland 4WD$1,786$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2018 Jeep Cherokee Insurance Cost by Trim Level

2017 Jeep Cherokee Insurance Rates

A 2017 Jeep Cherokee averages $1,592 per year for full coverage insurance, or around $133 per month. Rates range from $1,470 per year for the Cherokee Sport 2WD to $1,726 for the Cherokee Overland 4WD.

2017 Jeep Cherokee Insurance Cost by Trim Level
2017 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,470$123
Latitude 2WD$1,512$126
Sport 4WD$1,512$126
Latitude 4WD$1,556$130
Limited 2WD$1,598$133
Limited 4WD$1,640$137
Trailhawk 4WD$1,640$137
Overland 2WD$1,684$140
Overland 4WD$1,726$144

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2017 Jeep Cherokee Insurance Cost by Trim Level

2016 Jeep Cherokee Insurance Rates

Average insurance cost for a 2016 Jeep Cherokee is $1,336 per year, or around $111 per month. Rates range from $1,220 per year for the Cherokee Sport 2WD to $1,460 for the Cherokee Overland 4WD.

2016 Jeep Cherokee Insurance Cost by Trim Level
2016 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,220$102
Latitude 2WD$1,260$105
Sport 4WD$1,260$105
Latitude 4WD$1,300$108
Limited 2WD$1,340$112
Limited 4WD$1,380$115
Trailhawk 4WD$1,380$115
Overland 2WD$1,420$118
Overland 4WD$1,460$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2016 Jeep Cherokee Insurance Cost by Trim Level

2015 Jeep Cherokee Insurance Rates

Insurance rates average $1,308 per year for a 2015 Jeep Cherokee, or around $109 per month. Rates range from $1,234 per year for the Cherokee Sport 2WD to $1,380 for the Cherokee Limited 4WD.

2015 Jeep Cherokee Insurance Cost by Trim Level
2015 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,234$103
Latitude 2WD$1,270$106
Sport 4WD$1,270$106
Latitude 4WD$1,308$109
Limited 2WD$1,344$112
Trailhawk 4WD$1,344$112
Limited 4WD$1,380$115

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2015 Jeep Cherokee Insurance Cost by Trim Level

2014 Jeep Cherokee Insurance Rates

Average insurance cost for a 2014 Jeep Cherokee is $1,250 per year, or around $104 per month. Rates range from $1,190 per year for the Cherokee Sport 2WD to $1,294 for the Cherokee Trailhawk 4WD.

2014 Jeep Cherokee Insurance Cost by Trim Level
2014 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,190$99
Latitude 2WD$1,226$102
Sport 4WD$1,226$102
Latitude 4WD$1,258$105
Limited 2WD$1,258$105
Limited 4WD$1,294$108
Trailhawk 4WD$1,294$108

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Jeep Cherokee, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2014 Jeep Cherokee Insurance Cost by Trim Level