Jeep Cherokee Insurance Cost for 2022

How much does Jeep Cherokee insurance cost? We compare car insurance rates from the base Latitude model up to the loaded Overland trim to see how prices measure up against the competition.

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How much does Jeep Cherokee insurance cost?

Jeep Cherokee car insurance costs an average of $1,692 per year for a full coverage policy. Monthly insurance cost for a Jeep Cherokee averages $141 and ranges from $134 to $148, depending on the trim level.

With the average midsize SUV costing $1,544 a year to insure, the Jeep Cherokee costs on average $148 more per year.

When comparing the Cherokee to all vehicles, not just other midsize SUV models, it costs $125 more to insure a Jeep Cherokee than the overall average rate of $1,567 per year.

The following chart breaks down average car insurance cost on a 2022 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 2022 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, 2022
Jeep Cherokee Insurance Cost Summary
Jeep Cherokee Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,856$321
Safe Driver Age 20$3,374$281
At-fault Accidents Age 40$2,420$202
Low Deductibles Age 40$2,112$176
Safe Driver Age 30$1,758$147
Safe Driver Age 40$1,692$141
Safe Driver Age 50$1,546$129
Safe Driver Age 60$1,516$126
High Deductibles Age 40$1,476$123
Discount Rate Age 40$1,402$117

To aid in understanding 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 $14,412 a year for a policy that provides full coverage.

How do Jeep Cherokee insurance rates compare?

The Jeep Cherokee ranks #25 out of 29 total vehicles in the 2022 midsize SUV segment. The Cherokee costs an average of $1,692 per year for full coverage insurance and the class average cost is $1,544 annually, a difference of $148 per year.

When compared to the best-selling models in the midsize SUV category, car insurance for a Jeep Cherokee costs $12 more per year than the Jeep Grand Cherokee, $158 more than the Toyota Highlander, $258 more than the Ford Explorer, and $294 more than the Subaru Outback.

When Jeep Cherokee insurance rates are compared to all vehicles, not just midsize SUVs, the average cost is 8% more than the national average car insurance rate of $1,567 per year.

The chart below shows how average car insurance rates for a 2022 Cherokee compare to the top 10 selling midsize SUVs in America. For rates on the additional 19 midsize SUVs, a more comprehensive table is included after the chart that ranks insurance costs for every model of midsize SUV for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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, 2022
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$1,224-$468
2Subaru Ascent$1,310-$382
3Ford Edge$1,374-$318
4Subaru Outback$1,398-$294
5Nissan Murano$1,416-$276
6Toyota Venza$1,424-$268
7Ford Explorer$1,434-$258
8Kia Sorento$1,444-$248
9Hyundai Palisade$1,462-$230
10Volkswagen Atlas$1,472-$220
11Toyota 4Runner$1,488-$204
12Volkswagen Atlas Cross Sport$1,528-$164
13Mazda CX-9$1,530-$162
14GMC Acadia$1,532-$160
15Toyota Highlander$1,534-$158
16Nissan Pathfinder$1,540-$152
17Honda Pilot$1,546-$146
18Mitsubishi Outlander Sport$1,548-$144
19Buick Enclave$1,562-$130
20Chevrolet Traverse$1,568-$124
21Hyundai Santa Fe$1,590-$102
22Kia Telluride$1,596-$96
23Chevrolet Blazer$1,610-$82
24Jeep Grand Cherokee$1,680-$12
25Jeep Cherokee$1,692--
26Mitsubishi Outlander PHEV$1,768$76
27Dodge Durango$1,788$96
28Tesla Model Y$1,804$112
29Rivian R1S$1,902$210

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 2022 Cherokee has an average MSRP of $33,775 and ranges from $28,135 to $40,275.

The models that have the most similar average MSRP to the Jeep Cherokee for the 2022 model year are the Subaru Outback, Hyundai Santa Fe, Toyota Venza, and Kia Telluride.

The next list shows how they compare to a 2022 Cherokee by purchase price and average cost of insurance.

  • Compared to the Subaru Outback – With an average sticker price of $34,658 and ranging from $26,945 to $39,945, the Subaru Outback costs $883 more than the Cherokee. Insuring the Subaru Outback costs an average of $294 less every 12 months than the Jeep Cherokee.
  • Compared to the Hyundai Santa Fe – With an average dealer MSRP of $36,505 and ranging from $27,400 to $45,360, the 2022 Hyundai Santa Fe costs $2,730 more than the MSRP for the Cherokee. Insuring a 2022 Cherokee compared to the Hyundai Santa Fe costs an average of $102 more per year.
  • Compared to the Toyota Venza – Having an average purchase price of $36,565 ($32,890 to $40,380), the Toyota Venza costs $2,790 more than the Cherokee. Insurance on a Jeep Cherokee costs an average of $268 more per year than the Toyota Venza.
  • Compared to the Kia Telluride – The Kia Telluride has an average retail price of $37,440, ranging from $33,090 to $42,990, which is $3,665 more expensive than the average cost for the Cherokee. The cost to insure a Jeep Cherokee compared to the Kia Telluride is $96 more per year on average.

What is the cheapest Jeep Cherokee insurance?

With Jeep Cherokee insurance rates ranging from $1,604 to $1,774 per year for the average driver, the top two cheapest trim levels to insure are the Latitude 2WD and the Latitude 4WD at $1,604 per year. On average, plan on paying at a bare minimum $134 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 High Altitude 4WD and the High Altitude 2WD. Those trims will cost an extra $170 and per year over the least expensive Latitude 2WD 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 next table details average full coverage Jeep Cherokee insurance cost by trim level for annual, semi-annual, and monthly terms for the 2022 model year.

2022 Jeep Cherokee Insurance Cost by Trim Level
Jeep Cherokee Trim Level Annual Policy 6-month Policy Per Month
Latitude 2WD$1,604$802$134
Latitude 4WD$1,632$816$136
Latitude Plus 2WD$1,644$822$137
Latitude Plus 4WD$1,666$833$139
Altitude 2WD$1,666$833$139
Latitude Lux 2WD$1,670$835$139
Altitude 4WD$1,690$845$141
Latitude Lux 4WD$1,694$847$141
Limited 2WD$1,728$864$144
Trailhawk 4WD$1,736$868$145
Limited 4WD$1,746$873$146
High Altitude 2WD$1,760$880$147
High Altitude 4WD$1,774$887$148

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, 2022
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 2021 model years.

2021 Jeep Cherokee Insurance Rates

Average insurance rates for a 2021 Jeep Cherokee are $1,704 per year, or around $142 per month. Rates range from $1,578 per year for the Cherokee Latitude 2WD to $1,804 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2021 Jeep Cherokee insurance cost per month ranges from $132 to $150 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$1,578$132
Latitude 2WD 6 Cyl Gas$1,578$132
Latitude 4WD$1,624$135
Latitude 4WD 6 Cyl Gas$1,624$135
Latitude Plus 2WD$1,624$135
Latitude Plus 2WD 6 Cyl Gas$1,624$135
Latitude Plus 2WD 4 Cyl Turbo$1,668$139
Latitude Plus 4WD$1,668$139
Latitude Plus 4WD 6 Cyl Gas$1,668$139
Latitude Plus 4WD 4 Cyl Turbo$1,712$143
Limited 2WD$1,712$143
Limited 2WD 6 Cyl Gas$1,712$143
Limited 2WD 4 Cyl Turbo$1,758$147
Limited 4WD 4 Cyl Turbo$1,758$147
Limited 4WD 6 Cyl Gas$1,758$147
Trailhawk 4WD 4 Cyl Turbo$1,758$147
Trailhawk 4WD 6 Cyl Gas$1,758$147
Overland 2WD 4 Cyl Turbo$1,804$150
Overland 2WD 6 Cyl Gas$1,804$150
Overland 4WD 4 Cyl Turbo$1,804$150
Overland 4WD 6 Cyl Gas$1,804$150

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 11, 2022
2021 Jeep Cherokee Insurance Cost by Trim Level

2020 Jeep Cherokee Auto Insurance Rates

Average insurance rates for a 2020 Jeep Cherokee are $1,678 per year, or around $140 per month. Rates range from $1,556 per year for the Cherokee Latitude 2WD to $1,774 for the Cherokee Overland 4WD 6 Cyl Gas.

Average 2020 Jeep Cherokee insurance cost per month ranges from $130 to $148 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$1,556$130
Latitude 2WD 6 Cyl Gas$1,556$130
Latitude 4WD$1,598$133
Latitude 4WD 6 Cyl Gas$1,598$133
Latitude Plus 2WD$1,598$133
Latitude Plus 2WD 6 Cyl Gas$1,598$133
Latitude Plus 2WD 4 Cyl Turbo$1,642$137
Latitude Plus 4WD$1,642$137
Latitude Plus 4WD 6 Cyl Gas$1,642$137
Latitude Plus 4WD 4 Cyl Turbo$1,686$141
Limited 2WD$1,686$141
Limited 2WD 6 Cyl Gas$1,686$141
Limited 2WD 4 Cyl Turbo$1,730$144
Limited 4WD 4 Cyl Turbo$1,730$144
Limited 4WD 6 Cyl Gas$1,730$144
Trailhawk 4WD 4 Cyl Turbo$1,730$144
Trailhawk 4WD 6 Cyl Gas$1,730$144
Overland 2WD 4 Cyl Turbo$1,774$148
Overland 2WD 6 Cyl Gas$1,774$148
Overland 4WD 4 Cyl Turbo$1,774$148
Overland 4WD 6 Cyl Gas$1,774$148

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, 2022
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 $1,538 per year, or about $128 per month. Rates range from $1,418 per year for the Cherokee Latitude 2WD to $1,634 for the Cherokee Overland 4WD.

2019 Jeep Cherokee Insurance Cost by Trim Level
2019 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,418$118
Latitude 4WD$1,462$122
Latitude Plus 2WD$1,462$122
Latitude Plus 4WD$1,506$126
Limited 2WD$1,548$129
Limited 4WD$1,592$133
Trailhawk 4WD$1,592$133
Overland 2WD$1,612$134
Overland 4WD$1,634$136

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, 2022
2019 Jeep Cherokee Insurance Cost by Trim Level

2018 Jeep Cherokee Insurance Rates

2018 Jeep Cherokee car insurance rates average $1,456 per year, or around $121 per month. Cost ranges from $1,394 per year for the Cherokee Latitude 2WD to $1,600 for the Cherokee Overland 4WD.

2018 Jeep Cherokee Insurance Cost by Trim Level
2018 Jeep Cherokee Trim Level Annual Rate Per Month
Latitude 2WD$1,394$116
Latitude 4WD$1,394$116
Longitude 2WD$1,394$116
Longitude 4WD$1,394$116
Sport 2WD$1,394$116
Sport 4WD$1,394$116
Latitude Plus 2WD$1,436$120
Latitude Plus 4WD$1,436$120
Limited 2WD$1,476$123
Limited 4WD$1,518$127
Trailhawk 4WD$1,518$127
Overland 2WD$1,558$130
Overland 4WD$1,600$133

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 11, 2022
2018 Jeep Cherokee Insurance Cost by Trim Level

2017 Jeep Cherokee Insurance Rates

A 2017 Jeep Cherokee averages $1,442 per year for full coverage insurance, or around $120 per month. Rates range from $1,326 per year for the Cherokee Sport 2WD to $1,564 for the Cherokee Overland 4WD.

2017 Jeep Cherokee Insurance Cost by Trim Level
2017 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,326$111
Latitude 2WD$1,366$114
Sport 4WD$1,366$114
Latitude 4WD$1,404$117
Limited 2WD$1,444$120
Limited 4WD$1,484$124
Trailhawk 4WD$1,484$124
Overland 2WD$1,524$127
Overland 4WD$1,564$130

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, 2022
2017 Jeep Cherokee Insurance Cost by Trim Level

2016 Jeep Cherokee Insurance Rates

Average insurance cost for a 2016 Jeep Cherokee is $1,200 per year, or around $100 per month. Rates range from $1,092 per year for the Cherokee Sport 2WD to $1,314 for the Cherokee Overland 4WD.

2016 Jeep Cherokee Insurance Cost by Trim Level
2016 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,092$91
Latitude 2WD$1,128$94
Sport 4WD$1,128$94
Latitude 4WD$1,166$97
Limited 2WD$1,204$100
Limited 4WD$1,240$103
Trailhawk 4WD$1,240$103
Overland 2WD$1,278$107
Overland 4WD$1,314$110

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 11, 2022
2016 Jeep Cherokee Insurance Cost by Trim Level

2015 Jeep Cherokee Insurance Rates

Insurance rates average $1,198 per year for a 2015 Jeep Cherokee, or around $100 per month. Rates range from $1,126 per year for the Cherokee Sport 2WD to $1,266 for the Cherokee Limited 4WD.

2015 Jeep Cherokee Insurance Cost by Trim Level
2015 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,126$94
Latitude 2WD$1,162$97
Sport 4WD$1,162$97
Latitude 4WD$1,198$100
Limited 2WD$1,232$103
Trailhawk 4WD$1,232$103
Limited 4WD$1,266$106

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, 2022
2015 Jeep Cherokee Insurance Cost by Trim Level

2014 Jeep Cherokee Insurance Rates

Average insurance cost for a 2014 Jeep Cherokee is $1,134 per year, or around $95 per month. Rates range from $1,078 per year for the Cherokee Sport 2WD to $1,176 for the Cherokee Trailhawk 4WD.

2014 Jeep Cherokee Insurance Cost by Trim Level
2014 Jeep Cherokee Trim Level Annual Rate Per Month
Sport 2WD$1,078$90
Latitude 2WD$1,112$93
Sport 4WD$1,112$93
Latitude 4WD$1,144$95
Limited 2WD$1,144$95
Limited 4WD$1,176$98
Trailhawk 4WD$1,176$98

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, 2022
2014 Jeep Cherokee Insurance Cost by Trim Level