- Jeep Cherokee insurance costs $1,996 per year ($166 per month) for a full coverage policy.
- The Jeep Cherokee is one of the more expensive midsize SUVs to insure, costing $192 more per year on average as compared to the rest of the vehicles in the segment.
- The Cherokee X 4WD trim level is the cheapest to insure at around $1,922 per year. The most expensive trim is the Limited 4WD at $2,040 per year.
- Average rates for earlier Jeep Cherokee model years range from $1,188 for the 2014 model year to $1,888 for the 2020 model year.
How much does Jeep Cherokee insurance cost?
Jeep Cherokee car insurance costs an average of $1,996 per year for a full coverage policy. Monthly insurance cost for a Jeep Cherokee averages $166 and ranges from $160 to $170, depending on the trim level.
With the average midsize SUV costing $1,804 a year to insure, the Jeep Cherokee costs on average $192 more per year.
When comparing the Cherokee to all vehicles, not just other midsize SUV models, it costs $113 more to insure a Jeep Cherokee than the overall average rate of $1,883 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.
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 $15,503 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 $1,996 per year for full coverage insurance and the class average cost is $1,804 annually, a difference of $192 per year.
When compared to the best-selling models in the midsize SUV category, car insurance for a Jeep Cherokee costs $36 more per year than the Jeep Grand Cherokee, $152 more than the Toyota Highlander, $422 more than the Ford Explorer, and $406 more than the Subaru Outback.
When Jeep Cherokee insurance rates are compared to all vehicles, not just midsize SUVs, the average cost is 5.8% more than the national average car insurance rate of $1,883 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,438 | -$558 |
| 2 | Subaru Ascent | $1,506 | -$490 |
| 3 | Ford Edge | $1,568 | -$428 |
| 4 | Ford Explorer | $1,574 | -$422 |
| 5 | Volkswagen Atlas | $1,578 | -$418 |
| 6 | Nissan Murano | $1,586 | -$410 |
| 7 | Subaru Outback | $1,590 | -$406 |
| 8 | Volkswagen Atlas Cross Sport | $1,648 | -$348 |
| 9 | Toyota Venza | $1,682 | -$314 |
| 10 | Kia Sorento | $1,694 | -$302 |
| 11 | Hyundai Palisade | $1,716 | -$280 |
| 12 | Toyota 4Runner | $1,728 | -$268 |
| 13 | GMC Acadia | $1,756 | -$240 |
| 14 | Chevrolet Traverse | $1,760 | -$236 |
| 15 | Honda Pilot | $1,776 | -$220 |
| 16 | Buick Enclave | $1,778 | -$218 |
| 17 | Nissan Pathfinder | $1,790 | -$206 |
| 18 | Mazda CX-9 | $1,798 | -$198 |
| 19 | Mitsubishi Outlander Sport | $1,824 | -$172 |
| 20 | Kia Telluride | $1,834 | -$162 |
| 21 | Toyota Highlander | $1,844 | -$152 |
| 22 | Chevrolet Blazer | $1,868 | -$128 |
| 23 | Hyundai Santa Fe | $1,892 | -$104 |
| 24 | Jeep Grand Cherokee | $1,960 | -$36 |
| 25 | Jeep Cherokee | $1,996 | -- |
| 26 | Jeep Wrangler | $2,038 | $42 |
| 27 | Ford Bronco | $2,052 | $56 |
| 28 | Tesla Model Y | $2,068 | $72 |
| 29 | Mitsubishi Outlander PHEV | $2,112 | $116 |
| 30 | Dodge Durango | $2,196 | $200 |
| 31 | Rivian R1S | $2,260 | $264 |
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 vehicle from the 2023 model year. Updated February 22, 2024
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 $406 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 $314 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 $302 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 $1,922 to $2,040 per year for the average driver, the top two cheapest trim levels to insure are the X 4WD and the Latitude Lux 2WD at $1,922 and $1,986 per year.
On average, plan on paying at a bare minimum $160 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.
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| X 4WD | $1,922 | $160 |
| Latitude Lux 2WD | $1,986 | $166 |
| Latitude Lux 4WD | $2,014 | $168 |
| Trailhawk 4WD | $2,028 | $169 |
| Limited 4WD | $2,040 | $170 |
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. Updated February 23, 2024
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 $1,958 per year, or around $163 per month. Rates range from $1,884 per year for the Cherokee X 4WD to $1,998 for the Cherokee Limited 4WD.
Cost per month on this model year ranges from $157 to $167 depending on the trim level. Annual and monthly rates are shown in the table below for each model.
| 2022 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| X 4WD | $1,884 | $157 |
| Latitude Lux 2WD | $1,946 | $162 |
| Latitude Lux 4WD | $1,972 | $164 |
| Trailhawk 4WD | $1,986 | $166 |
| Limited 4WD | $1,998 | $167 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2021 Jeep Cherokee Insurance Rates
Average insurance rates for a 2021 Jeep Cherokee are $1,940 per year, or around $162 per month. Rates range from $1,792 per year for the Cherokee Latitude 2WD to $2,054 for the Cherokee Overland 4WD 6 Cyl Gas.
Average 2021 Jeep Cherokee insurance cost per month ranges from $149 to $171 depending on the trim level as shown in the table below.
| 2021 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Latitude 2WD | $1,792 | $149 |
| Latitude 2WD 6 Cyl Gas | $1,792 | $149 |
| Latitude 4WD | $1,844 | $154 |
| Latitude 4WD 6 Cyl Gas | $1,844 | $154 |
| Latitude Plus 2WD | $1,844 | $154 |
| Latitude Plus 2WD 6 Cyl Gas | $1,844 | $154 |
| Latitude Plus 2WD 4 Cyl Turbo | $1,896 | $158 |
| Latitude Plus 4WD | $1,896 | $158 |
| Latitude Plus 4WD 6 Cyl Gas | $1,896 | $158 |
| Latitude Plus 4WD 4 Cyl Turbo | $1,948 | $162 |
| Limited 2WD | $1,948 | $162 |
| Limited 2WD 6 Cyl Gas | $1,948 | $162 |
| Limited 2WD 4 Cyl Turbo | $2,002 | $167 |
| Limited 4WD 4 Cyl Turbo | $2,002 | $167 |
| Limited 4WD 6 Cyl Gas | $2,002 | $167 |
| Trailhawk 4WD 4 Cyl Turbo | $2,002 | $167 |
| Trailhawk 4WD 6 Cyl Gas | $2,002 | $167 |
| Overland 2WD 4 Cyl Turbo | $2,054 | $171 |
| Overland 2WD 6 Cyl Gas | $2,054 | $171 |
| Overland 4WD 4 Cyl Turbo | $2,054 | $171 |
| Overland 4WD 6 Cyl Gas | $2,054 | $171 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2020 Jeep Cherokee Auto Insurance Rates
Average insurance rates for a 2020 Jeep Cherokee are $1,888 per year, or around $157 per month. Rates range from $1,746 per year for the Cherokee Latitude 2WD to $1,996 for the Cherokee Overland 4WD 6 Cyl Gas.
Average 2020 Jeep Cherokee insurance cost per month ranges from $146 to $166 depending on the trim level as shown in the table below.
| 2020 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Latitude 2WD | $1,746 | $146 |
| Latitude 2WD 6 Cyl Gas | $1,746 | $146 |
| Latitude 4WD | $1,796 | $150 |
| Latitude 4WD 6 Cyl Gas | $1,796 | $150 |
| Latitude Plus 2WD | $1,796 | $150 |
| Latitude Plus 2WD 6 Cyl Gas | $1,796 | $150 |
| Latitude Plus 2WD 4 Cyl Turbo | $1,846 | $154 |
| Latitude Plus 4WD | $1,846 | $154 |
| Latitude Plus 4WD 6 Cyl Gas | $1,846 | $154 |
| Latitude Plus 4WD 4 Cyl Turbo | $1,896 | $158 |
| Limited 2WD | $1,896 | $158 |
| Limited 2WD 6 Cyl Gas | $1,896 | $158 |
| Limited 2WD 4 Cyl Turbo | $1,948 | $162 |
| Limited 4WD 4 Cyl Turbo | $1,948 | $162 |
| Limited 4WD 6 Cyl Gas | $1,948 | $162 |
| Trailhawk 4WD 4 Cyl Turbo | $1,948 | $162 |
| Trailhawk 4WD 6 Cyl Gas | $1,948 | $162 |
| Overland 2WD 4 Cyl Turbo | $1,996 | $166 |
| Overland 2WD 6 Cyl Gas | $1,996 | $166 |
| Overland 4WD 4 Cyl Turbo | $1,996 | $166 |
| Overland 4WD 6 Cyl Gas | $1,996 | $166 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2019 Jeep Cherokee Insurance Rates
Insurance rates for a 2019 Jeep Cherokee average $1,700 per year, or about $142 per month. Rates range from $1,570 per year for the Cherokee Latitude 2WD to $1,810 for the Cherokee Overland 4WD.
| 2019 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Latitude 2WD | $1,570 | $131 |
| Latitude 4WD | $1,618 | $135 |
| Latitude Plus 2WD | $1,618 | $135 |
| Latitude Plus 4WD | $1,666 | $139 |
| Limited 2WD | $1,714 | $143 |
| Limited 4WD | $1,762 | $147 |
| Trailhawk 4WD | $1,762 | $147 |
| Overland 2WD | $1,786 | $149 |
| Overland 4WD | $1,810 | $151 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2018 Jeep Cherokee Insurance Rates
2018 Jeep Cherokee car insurance rates average $1,580 per year, or around $132 per month. Cost ranges from $1,514 per year for the Cherokee Latitude 2WD to $1,738 for the Cherokee Overland 4WD.
| 2018 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Latitude 2WD | $1,514 | $126 |
| Latitude 4WD | $1,514 | $126 |
| Longitude 2WD | $1,514 | $126 |
| Longitude 4WD | $1,514 | $126 |
| Sport 2WD | $1,514 | $126 |
| Sport 4WD | $1,514 | $126 |
| Latitude Plus 2WD | $1,558 | $130 |
| Latitude Plus 4WD | $1,558 | $130 |
| Limited 2WD | $1,604 | $134 |
| Limited 4WD | $1,650 | $138 |
| Trailhawk 4WD | $1,650 | $138 |
| Overland 2WD | $1,694 | $141 |
| Overland 4WD | $1,738 | $145 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2017 Jeep Cherokee Insurance Rates
A 2017 Jeep Cherokee averages $1,546 per year for full coverage insurance, or around $129 per month. Rates range from $1,422 per year for the Cherokee Sport 2WD to $1,678 for the Cherokee Overland 4WD.
| 2017 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sport 2WD | $1,422 | $119 |
| Latitude 2WD | $1,464 | $122 |
| Sport 4WD | $1,464 | $122 |
| Latitude 4WD | $1,508 | $126 |
| Limited 2WD | $1,552 | $129 |
| Limited 4WD | $1,594 | $133 |
| Trailhawk 4WD | $1,594 | $133 |
| Overland 2WD | $1,638 | $137 |
| Overland 4WD | $1,678 | $140 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2016 Jeep Cherokee Insurance Rates
Average insurance cost for a 2016 Jeep Cherokee is $1,268 per year, or around $106 per month. Rates range from $1,154 per year for the Cherokee Sport 2WD to $1,390 for the Cherokee Overland 4WD.
| 2016 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sport 2WD | $1,154 | $96 |
| Latitude 2WD | $1,194 | $100 |
| Sport 4WD | $1,194 | $100 |
| Latitude 4WD | $1,234 | $103 |
| Limited 2WD | $1,272 | $106 |
| Limited 4WD | $1,312 | $109 |
| Trailhawk 4WD | $1,312 | $109 |
| Overland 2WD | $1,350 | $113 |
| Overland 4WD | $1,390 | $116 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2015 Jeep Cherokee Insurance Rates
Insurance rates average $1,240 per year for a 2015 Jeep Cherokee, or around $103 per month. Rates range from $1,166 per year for the Cherokee Sport 2WD to $1,312 for the Cherokee Limited 4WD.
| 2015 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sport 2WD | $1,166 | $97 |
| Latitude 2WD | $1,202 | $100 |
| Sport 4WD | $1,202 | $100 |
| Latitude 4WD | $1,240 | $103 |
| Limited 2WD | $1,276 | $106 |
| Trailhawk 4WD | $1,276 | $106 |
| Limited 4WD | $1,312 | $109 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 22, 2024
2014 Jeep Cherokee Insurance Rates
Average insurance cost for a 2014 Jeep Cherokee is $1,188 per year, or around $99 per month. Rates range from $1,128 per year for the Cherokee Sport 2WD to $1,232 for the Cherokee Trailhawk 4WD.
| 2014 Jeep Cherokee Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sport 2WD | $1,128 | $94 |
| Latitude 2WD | $1,164 | $97 |
| Sport 4WD | $1,164 | $97 |
| Latitude 4WD | $1,196 | $100 |
| Limited 2WD | $1,196 | $100 |
| Limited 4WD | $1,232 | $103 |
| Trailhawk 4WD | $1,232 | $103 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
About the Author
During his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.