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 $1,914 per year for a full coverage policy. Monthly insurance cost for a Jeep Cherokee averages $160 and ranges from $154 to $163, depending on the trim level.

With the average midsize SUV costing $1,724 a year to insure, the Jeep Cherokee costs on average $190 more per year.

When comparing the Cherokee to all vehicles, not just other midsize SUV models, it costs $229 more to insure a Jeep Cherokee than the overall average rate of $1,685 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 January 23, 2023
Jeep Cherokee Insurance Cost Summary
2023 Jeep Cherokee Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,352$363
Safe Driver Age 20$3,810$318
At-fault Accidents Age 40$2,734$228
Low Deductibles Age 40$2,396$200
Safe Driver Age 30$1,992$166
Safe Driver Age 40$1,914$160
Safe Driver Age 50$1,750$146
Safe Driver Age 60$1,718$143
High Deductibles Age 40$1,668$139
Discount Rate Age 40$1,588$132

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 $15,214 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 $1,914 per year for full coverage insurance and the class average cost is $1,724 annually, a difference of $190 per year.

When compared to the best-selling models in the midsize SUV category, car insurance for a Jeep Cherokee costs $38 more per year than the Jeep Grand Cherokee, $152 more than the Toyota Highlander, $410 more than the Ford Explorer, and $396 more than the Subaru Outback.

When Jeep Cherokee insurance rates are compared to all vehicles, not just midsize SUVs, the average cost is 13.6% more than the national average car insurance rate of $1,685 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 January 23, 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$1,368-$546
2Subaru Ascent$1,434-$480
3Ford Edge$1,494-$420
4Ford Explorer$1,504-$410
5Volkswagen Atlas$1,506-$408
6Nissan Murano$1,516-$398
7Subaru Outback$1,518-$396
8Volkswagen Atlas Cross Sport$1,576-$338
9Toyota Venza$1,608-$306
10Kia Sorento$1,618-$296
11Hyundai Palisade$1,638-$276
12Toyota 4Runner$1,654-$260
13GMC Acadia$1,682-$232
14Chevrolet Traverse$1,684-$230
15Honda Pilot$1,696-$218
16Buick Enclave$1,702-$212
17Nissan Pathfinder$1,712-$202
18Mazda CX-9$1,720-$194
19Mitsubishi Outlander Sport$1,744-$170
20Kia Telluride$1,754-$160
21Toyota Highlander$1,762-$152
22Chevrolet Blazer$1,786-$128
23Hyundai Santa Fe$1,810-$104
24Jeep Grand Cherokee$1,876-$38
25Jeep Cherokee$1,914--
26Jeep Wrangler$1,952$38
27Ford Bronco$1,962$48
28Tesla Model Y$1,970$56
29Mitsubishi Outlander PHEV$2,018$104
30Dodge Durango$2,102$188
31Rivian R1S$2,160$246

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 $396 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 $104 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 $306 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 $296 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 $1,842 to $1,956 per year for the average driver, the top two cheapest trim levels to insure are the X 4WD and the Latitude Lux 2WD at $1,842 and $1,904 per year.

On average, plan on paying at a bare minimum $154 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$1,842$921$154
Latitude Lux 2WD$1,904$952$159
Latitude Lux 4WD$1,930$965$161
Trailhawk 4WD$1,944$972$162
Limited 4WD$1,956$978$163

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 February 5, 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 $1,880 per year, or around $157 per month. Rates range from $1,808 per year for the Cherokee X 4WD to $1,918 for the Cherokee Limited 4WD.

Cost per month on this model year ranges from $151 to $160 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$1,808$151
Latitude Lux 2WD$1,868$156
Latitude Lux 4WD$1,894$158
Trailhawk 4WD$1,906$159
Limited 4WD$1,918$160

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 February 5, 2023
2022 Jeep Cherokee Insurance Cost by Trim Level

2021 Jeep Cherokee Insurance Rates

Average insurance rates for a 2021 Jeep Cherokee are $1,864 per year, or around $155 per month. Rates range from $1,728 per year for the Cherokee Latitude 2WD to $1,970 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2021 Jeep Cherokee insurance cost per month ranges from $144 to $164 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$1,728$144
Latitude 2WD 6 Cyl Gas$1,728$144
Latitude 4WD$1,776$148
Latitude 4WD 6 Cyl Gas$1,776$148
Latitude Plus 2WD$1,776$148
Latitude Plus 2WD 6 Cyl Gas$1,776$148
Latitude Plus 2WD 4 Cyl Turbo$1,824$152
Latitude Plus 4WD$1,824$152
Latitude Plus 4WD 6 Cyl Gas$1,824$152
Latitude Plus 4WD 4 Cyl Turbo$1,874$156
Limited 2WD$1,874$156
Limited 2WD 6 Cyl Gas$1,874$156
Limited 2WD 4 Cyl Turbo$1,922$160
Limited 4WD 4 Cyl Turbo$1,922$160
Limited 4WD 6 Cyl Gas$1,922$160
Trailhawk 4WD 4 Cyl Turbo$1,922$160
Trailhawk 4WD 6 Cyl Gas$1,922$160
Overland 2WD 4 Cyl Turbo$1,970$164
Overland 2WD 6 Cyl Gas$1,970$164
Overland 4WD 4 Cyl Turbo$1,970$164
Overland 4WD 6 Cyl Gas$1,970$164

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 February 5, 2023
2021 Jeep Cherokee Insurance Cost by Trim Level

2020 Jeep Cherokee Auto Insurance Rates

Average insurance rates for a 2020 Jeep Cherokee are $1,844 per year, or around $154 per month. Rates range from $1,710 per year for the Cherokee Latitude 2WD to $1,948 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2020 Jeep Cherokee insurance cost per month ranges from $143 to $162 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$1,710$143
Latitude 2WD 6 Cyl Gas$1,710$143
Latitude 4WD$1,758$147
Latitude 4WD 6 Cyl Gas$1,758$147
Latitude Plus 2WD$1,758$147
Latitude Plus 2WD 6 Cyl Gas$1,758$147
Latitude Plus 2WD 4 Cyl Turbo$1,806$151
Latitude Plus 4WD$1,806$151
Latitude Plus 4WD 6 Cyl Gas$1,806$151
Latitude Plus 4WD 4 Cyl Turbo$1,852$154
Limited 2WD$1,852$154
Limited 2WD 6 Cyl Gas$1,852$154
Limited 2WD 4 Cyl Turbo$1,900$158
Limited 4WD 4 Cyl Turbo$1,900$158
Limited 4WD 6 Cyl Gas$1,900$158
Trailhawk 4WD 4 Cyl Turbo$1,900$158
Trailhawk 4WD 6 Cyl Gas$1,900$158
Overland 2WD 4 Cyl Turbo$1,948$162
Overland 2WD 6 Cyl Gas$1,948$162
Overland 4WD 4 Cyl Turbo$1,948$162
Overland 4WD 6 Cyl Gas$1,948$162

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 February 5, 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 $1,672 per year, or about $139 per month. Rates range from $1,546 per year for the Cherokee Latitude 2WD to $1,776 for the Cherokee Overland 4WD.

2019 Jeep Cherokee Insurance Cost by Trim Level
2019 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,546$129
Latitude 4WD$1,592$133
Latitude Plus 2WD$1,592$133
Latitude Plus 4WD$1,638$137
Limited 2WD$1,682$140
Limited 4WD$1,730$144
Trailhawk 4WD$1,730$144
Overland 2WD$1,754$146
Overland 4WD$1,776$148

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 February 5, 2023
2019 Jeep Cherokee Insurance Cost by Trim Level

2018 Jeep Cherokee Insurance Rates

2018 Jeep Cherokee car insurance rates average $1,582 per year, or around $132 per month. Cost ranges from $1,516 per year for the Cherokee Latitude 2WD to $1,736 for the Cherokee Overland 4WD.

2018 Jeep Cherokee Insurance Cost by Trim Level
2018 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,516$126
Latitude 4WD$1,516$126
Longitude 2WD$1,516$126
Longitude 4WD$1,516$126
Sport 2WD$1,516$126
Sport 4WD$1,516$126
Latitude Plus 2WD$1,562$130
Latitude Plus 4WD$1,562$130
Limited 2WD$1,604$134
Limited 4WD$1,648$137
Trailhawk 4WD$1,648$137
Overland 2WD$1,692$141
Overland 4WD$1,736$145

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 February 5, 2023
2018 Jeep Cherokee Insurance Cost by Trim Level

2017 Jeep Cherokee Insurance Rates

A 2017 Jeep Cherokee averages $1,552 per year for full coverage insurance, or around $129 per month. Rates range from $1,432 per year for the Cherokee Sport 2WD to $1,680 for the Cherokee Overland 4WD.

2017 Jeep Cherokee Insurance Cost by Trim Level
2017 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,432$119
Latitude 2WD$1,472$123
Sport 4WD$1,472$123
Latitude 4WD$1,514$126
Limited 2WD$1,554$130
Limited 4WD$1,598$133
Trailhawk 4WD$1,598$133
Overland 2WD$1,638$137
Overland 4WD$1,680$140

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 February 5, 2023
2017 Jeep Cherokee Insurance Cost by Trim Level

2016 Jeep Cherokee Insurance Rates

Average insurance cost for a 2016 Jeep Cherokee is $1,298 per year, or around $108 per month. Rates range from $1,186 per year for the Cherokee Sport 2WD to $1,422 for the Cherokee Overland 4WD.

2016 Jeep Cherokee Insurance Cost by Trim Level
2016 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,186$99
Latitude 2WD$1,224$102
Sport 4WD$1,224$102
Latitude 4WD$1,264$105
Limited 2WD$1,304$109
Limited 4WD$1,342$112
Trailhawk 4WD$1,342$112
Overland 2WD$1,382$115
Overland 4WD$1,422$119

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 February 5, 2023
2016 Jeep Cherokee Insurance Cost by Trim Level

2015 Jeep Cherokee Insurance Rates

Insurance rates average $1,272 per year for a 2015 Jeep Cherokee, or around $106 per month. Rates range from $1,202 per year for the Cherokee Sport 2WD to $1,346 for the Cherokee Limited 4WD.

2015 Jeep Cherokee Insurance Cost by Trim Level
2015 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,202$100
Latitude 2WD$1,238$103
Sport 4WD$1,238$103
Latitude 4WD$1,272$106
Limited 2WD$1,310$109
Trailhawk 4WD$1,310$109
Limited 4WD$1,346$112

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 February 5, 2023
2015 Jeep Cherokee Insurance Cost by Trim Level

2014 Jeep Cherokee Insurance Rates

Average insurance cost for a 2014 Jeep Cherokee is $1,218 per year, or around $102 per month. Rates range from $1,160 per year for the Cherokee Sport 2WD to $1,258 for the Cherokee Trailhawk 4WD.

2014 Jeep Cherokee Insurance Cost by Trim Level
2014 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,160$97
Latitude 2WD$1,194$100
Sport 4WD$1,194$100
Latitude 4WD$1,226$102
Limited 2WD$1,226$102
Limited 4WD$1,258$105
Trailhawk 4WD$1,258$105

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 February 5, 2023
2014 Jeep Cherokee Insurance Cost by Trim Level