Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Jeep Cherokee? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Jeep Cherokee car insurance facts

  • Average full coverage auto insurance premium: $139/month

  • Most affordable companies: Auto-Owners Insurance ($86/month) & GEICO ($92/month)

  • Cherokee car insurance cost vs. average rates: $17 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Jeep Cherokee by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Jeep Cherokee insurer costs by state:

Risk factors affecting Jeep Cherokee car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Jeep Cherokee car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Jeep models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Jeep automobile brand

Jeep is an American multinational automaker specializing in affordable sport utility vehicles (SUVs) and crossovers under Stellantis North America for the United States market. The target market of Jeep is young and old consumers, typically through the charismatic Jeep Wrangler focusing on advanced technology with off-road designs and affordability. All Jeep automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Jeep Wrangler, Grand Cherokee, and Compass are some of their most popular vehicles.

High Jeep Cherokee repair costs equal high coverage rates

Many consumers are attracted to Jeep’s off-road designs, increased fuel efficiencies, and driver-assist technologies, like Jeep’s Safety & Security Technology. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Jeep is higher than average since repair parts are slightly more expensive. For this reason, many Jeeps are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Jeep Cherokee affecting auto policies

Another factor to consider for Jeep is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Jeep models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Jeep IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Jeeps are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Jeep’s Safety & Security innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Jeep models. The Jeep Renegade and Cherokee are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Jeep automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Jeep automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1836
Acuity$1798
Allstate$1530
Auto-Owners$1034
Direct Auto$1762
Erie$1067
GEICO$1229
Kentucky Farm Bureau$1648
Liberty Mutual$1265
Nationwide$1451
Progressive$1619
Safe Auto$1547
State Farm$1495
Tennessee Farmers$1269
Texas Farm Bureau$1098
The Hanover$1743
Travelers$1438
USAA$1175

Compare all 2021 Jeep Cherokee rates

Average Cost to Insure Per Year

$1659

List Price

$27210

Trims Available

Latitude - Tech Connect - Latitude Plus - Limited - Trailhawk - Trailhawk L Plus - Overland - Base Engine: 2.4-liter I-4 with 180 hp with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2020 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1769
Allstate$1527
Auto-Owners$1005
Erie$1035
Farmers$1623
GEICO$1190
Liberty Mutual$1245
Mercury$1567
Nationwide$1429
Progressive$1604
State Farm$1462
Tennessee Farmers$1259
Texas Farm Bureau$1070
The Hanover$1740
Travelers$1426
USAA$1160

Compare all 2020 Jeep Cherokee rates

Average Cost to Insure Per Year

$1549

List Price

$25840

Trims Available

Latitude - Tech Connect - Latitude Plus - Limited - Trailhawk - Trailhawk L Plus - Overland - Base Engine: 2.4-liter I-4 with 180 hp with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2019 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1751
Allstate$1506
Auto-Owners$986
Erie$1023
GEICO$1187
Kentucky Farm Bureau$1690
Liberty Mutual$1235
Mercury$1524
Nationwide$1415
Progressive$1587
State Farm$1452
Tennessee Farmers$1249
Texas Farm Bureau$1065
The Hanover$1734
Travelers$1394
USAA$1154

Compare all 2019 Jeep Cherokee rates

Average Cost to Insure Per Year

$1486

List Price

$25045

Trims Available

Latitude - Tech Connect - Latitude Plus - Limited - Trailhawk - Trailhawk L Plus - Overland - Base Engine: 2.4-liter I-4 with 180 hp with Technology Group package includes: Blind Spot Monitoring with Rear Cross Path Detection, Full-Speed Forward Collision Warning with Active Braking, LaneSense Lane Departure Warning with Lane Keep Assist, Electronic Stability Control, Adaptive Cruise Control with Stop and Go, Rain-Sensing Wipers, ParkSense Rear Park Assist with Stop, Parallel and Perpendicular Park Assist with Full Stop. With active and passive safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Child Safety Locks, Integrated Turn Signal Mirrors, Traction Control, Daytime Running Lights

2018 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1101
Acuity$ 1101
Allied$ 1008
Allied$ 1008
American Family$ 1128
American Family$ 1128
Country$ 1160
Country$ 1160
Erie$ 712
Erie$ 712
GEICO$ 620
GEICO$ 620
Nationwide$ 911
Nationwide$ 911
Plymouth Rock Insurance$ 1113
Plymouth Rock Insurance$ 1113
Progressive$ 698
Progressive$ 698
State Farm$ 864
State Farm$ 864
USAA$ 832
USAA$ 832
Vermont Mutual$ 1001
Vermont Mutual$ 1001

Compare all 2018 Jeep Cherokee rates

Average Cost to Insure Per Year

$ 983

List Price

$ 24395

Trims Available

Latitude - Tech Connect - Latitude Plus - Limited - Trailhawk - Trailhawk L Plus - Overland

2017 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1033
Acuity$ 1033
Allied$ 1004
Allied$ 1004
American Family$ 907
American Family$ 907
Country$ 910
Country$ 910
Erie$ 614
Erie$ 614
GEICO$ 474
GEICO$ 474
Nationwide$ 839
Nationwide$ 839
Progressive$ 576
Progressive$ 576
State Farm$ 656
State Farm$ 656
Tennessee Farmers$ 964
Tennessee Farmers$ 964
USAA$ 683
USAA$ 683
Vermont Mutual$ 930
Vermont Mutual$ 930

Compare all 2017 Jeep Cherokee rates

Average Cost to Insure Per Year

$ 933

List Price

$ 23695

Trims Available

Sport - Sport Altitude - Latitude - 75th Anniversary - Limited - High Altitude - Trailhawk - Overland - Trailhawk L Plus

2016 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1048
Acuity$ 1048
Allied$ 1001
Allied$ 1001
American Family$ 915
American Family$ 915
Country$ 1020
Country$ 1020
Erie$ 612
Erie$ 612
GEICO$ 549
GEICO$ 549
Nationwide$ 875
Nationwide$ 875
Progressive$ 640
Progressive$ 640
State Farm$ 741
State Farm$ 741
Tennessee Farmers$ 829
Tennessee Farmers$ 829
USAA$ 696
USAA$ 696
Vermont Mutual$ 921
Vermont Mutual$ 921

Compare all 2016 Jeep Cherokee rates

Average Cost to Insure Per Year

$ 958

List Price

$ 23495

Trims Available

Sport - Sport Altitude - Latitude - Latitude Altitude - Latitude 75th Anniversary - Limited - High Altitude - Trailhawk - Overland

2015 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1030
Acuity$ 1030
Allied$ 1036
Allied$ 1036
American Family$ 1065
American Family$ 1065
Erie$ 648
Erie$ 648
GEICO$ 609
GEICO$ 609
Nationwide$ 999
Nationwide$ 999
Plymouth Rock Insurance$ 1043
Plymouth Rock Insurance$ 1043
Progressive$ 738
Progressive$ 738
State Farm$ 888
State Farm$ 888
Tennessee Farmers$ 916
Tennessee Farmers$ 916
USAA$ 802
USAA$ 802
Vermont Mutual$ 891
Vermont Mutual$ 891

Compare all 2015 Jeep Cherokee rates

Average Cost to Insure Per Year

$ 1397

List Price

$ 23095

Trims Available

Sport - Latitude - Altitude - Limited - Trailhawk

2014 Jeep Cherokee

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1040
Acuity$ 1040
Allied$ 1033
Allied$ 1033
American Family$ 1023
American Family$ 1023
Erie$ 595
Erie$ 595
GEICO$ 547
GEICO$ 547
Nationwide$ 957
Nationwide$ 957
Plymouth Rock Insurance$ 1019
Plymouth Rock Insurance$ 1019
Progressive$ 690
Progressive$ 690
State Farm$ 803
State Farm$ 803
Tennessee Farmers$ 928
Tennessee Farmers$ 928
USAA$ 709
USAA$ 709
Vermont Mutual$ 917
Vermont Mutual$ 917

Compare all 2014 Jeep Cherokee rates

Average Cost to Insure Per Year

$ 1228

List Price

$ 22995

Trims Available

Sport - Latitude - Altitude - Limited - Trailhawk