The Jeep Cherokee is a compact-to-midsize SUV that first debuted in the U.S. in 1974. While Jeep briefly discontinued the Cherokee after the 2023 model year, it's returning in 2026 with a complete redesign. No matter which type of Cherokee you drive, it needs to be protected with the right car insurance.
When it's time to find the best Jeep Cherokee insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Jeep Cherokee at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Jeep Cherokee by model year and top-rated insurance company in 2026.
Key Takeaways - Jeep Cherokee Car Insurance
Jeep Cherokee insurance costs an average of $1,738 per year, or approximately $145 per month, for full coverage in 2026.
Jeep Cherokee insurance costs vary considerably by state, with good drivers in Michigan paying an average of $3,142 annually for full coverage, while those in Hawaii pay only $713.
Your age, location, credit, and driving history can all impact the cost of Jeep Cherokee insurance.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2023 Jeep Cherokee insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Jeep Cherokee model.
What Is Jeep Cherokee Insurance?
Jeep Cherokee insurance is just a type of car insurance policy that includes special coverage tailored to protect your unique vehicle. As a compact or midsize SUV, the Cherokee may require additional coverage beyond that needed by a sedan. However, the Jeep Cherokee's average insurance rates are cheaper than those for similar SUVs.
Recommended coverage options for Jeep Cherokee drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Jeep Cherokee:
- Jeep warranty insurance: This can extend Jeep's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Jeep parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Jeep vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Your state likely requires certain types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for a Jeep Cherokee.
How Much Does Jeep Cherokee Insurance Cost?
The average cost of car insurance for a Jeep Cherokee is $1,738 per year, or approximately $145 per month, for full coverage. However, several factors can influence the cost of Jeep insurance, including:
- The specific type of Cherokee you drive
- Your location
- Your claims history
- Your driving history
- Your credit score (where allowed)
- The types and amount of coverage you need
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Jeep Cherokee full coverage insurance or a basic Jeep Cherokee liability insurance policy.
Is the Jeep Cherokee Expensive to Insure?
No, the Jeep Cherokee isn't expensive to insure on average. The average monthly cost of Jeep Cherokee auto insurance is $145, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
| Jeep Cherokee | $145 |
| All SUVs | $184 |
Jeep Cherokee Insurance Costs by Model Year
Next, we'll break down several model years of the Jeep Cherokee and the average insurance costs for each.
| Model Year | Average Premium |
| 2026 Jeep Cherokee* | $1,624 |
| 2023 Jeep Cherokee | $965 |
| 2022 Jeep Cherokee | $908 |
| 2021 Jeep Cherokee | $572 |
| 2020 Jeep Cherokee | $532 |
| 2019 Jeep Cherokee | $497 |
| 2018 Jeep Cherokee | $610 |
| 2017 Jeep Cherokee | $646 |
| 2016 Jeep Cherokee | $664 |
| 2015 Jeep Cherokee | $424 |
| 2014 Jeep Cherokee | $619 |
| 2010 Jeep Cherokee | $1,978 |
*Note: The 2026 Jeep Cherokee's average rate is a projection based on the observation of inflation trends and current market data.
Cheapest Jeep Cherokee Car Insurance Companies for 2026
Many carriers across the country offer affordable Jeep Cherokee auto insurance. These top-rated car insurance companies provide the cheapest model-year 2023 Jeep Cherokee insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,539 |
| American Family | $1,545 |
| USAA | $1,656 |
| Erie | $1,758 |
| Nationwide | $1,937 |
| Allstate | $3,321 |
Jeep Cherokee Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit can all impact the cost of your car insurance premiums. Here are some average auto insurance rates for the Jeep Cherokee by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $1,675 | $2,443 | $3,089 |
| Alaska | $1,397 | $1,916 | $1,860 |
| Arizona | $1,543 | $2,241 | $3,319 |
| Arkansas | $1,696 | $2,691 | $2,960 |
| California | $1,905 | $3,376 | $1,909 |
| Colorado | $1,775 | $2,490 | $3,163 |
| Connecticut | $2,268 | $3,539 | $4,492 |
| Delaware | $1,895 | $2,502 | $3,202 |
| Florida | $2,234 | $3,107 | $4,028 |
| Georgia | $1,818 | $2,725 | $2,747 |
| Hawaii | $713 | $983 | $711 |
| Idaho | $1,271 | $1,682 | $2,053 |
| Illinois | $1,307 | $1,993 | $2,298 |
| Indiana | $1,374 | $2,089 | $2,335 |
| Iowa | $1,063 | $1,477 | $1,731 |
| Kansas | $1,453 | $2,078 | $2,441 |
| Kentucky | $2,062 | $3,046 | $3,595 |
| Louisiana | $2,662 | $4,043 | $4,368 |
| Maine | $1,008 | $1,400 | $2,066 |
| Maryland | $1,648 | $2,389 | $2,617 |
| Massachusetts | $1,322 | $2,268 | $1,306 |
| Michigan | $3,142 | $4,823 | $7,585 |
| Minnesota | $1,309 | $1,736 | $2,456 |
| Mississippi | $1,585 | $2,223 | $2,261 |
| Missouri | $1,471 | $2,116 | $2,757 |
| Montana | $1,506 | $2,087 | $2,451 |
| Nebraska | $1,276 | $1,896 | $2,047 |
| Nevada | $2,114 | $3,120 | $3,299 |
| New Hampshire | $1,459 | $2,317 | $2,913 |
| New Jersey | $1,586 | $2,528 | $3,290 |
| New Mexico | $1,637 | $2,453 | $2,536 |
| New York | $1,526 | $1,919 | $3,212 |
| North Carolina | $941 | $1,610 | $1,170 |
| North Dakota | $1,268 | $1,948 | $2,309 |
| Ohio | $1,141 | $1,789 | $1,823 |
| Oklahoma | $1,826 | $2,619 | $2,973 |
| Oregon | $1,652 | $2,221 | $2,673 |
| Pennsylvania | $1,416 | $2,073 | $2,401 |
| Rhode Island | $2,340 | $3,447 | $3,889 |
| South Carolina | $1,613 | $2,222 | $3,050 |
| South Dakota | $1,424 | $2,055 | $2,358 |
| Tennessee | $1,680 | $2,489 | $3,313 |
| Texas | $1,676 | $2,456 | $3,032 |
| Utah | $1,451 | $2,025 | $2,767 |
| Vermont | $1,111 | $1,699 | $1,805 |
| Virginia | $1,063 | $1,613 | $1,593 |
| Washington | $1,388 | $1,895 | $2,237 |
| West Virginia | $1,402 | $2,002 | $2,490 |
| Wisconsin | $1,406 | $2,159 | $2,489 |
| Wyoming | $1,289 | $1,803 | $1,927 |
Average Jeep Cherokee Insurance Rates by Driver Age and Profile
Age is a major factor that influences the cost of car insurance. Car insurance rates plummet at age 25 until about age 65, then gradually climb again. Here are some average auto insurance rates for the Jeep Cherokee by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $4,956 | $7,315 | $8,558 |
| 20 | $3,820 | $5,617 | $6,588 |
| 25 | $2,251 | $3,294 | $3,855 |
| 30 | $1,748 | $2,553 | $3,012 |
| 35 | $1,630 | $2,390 | $2,802 |
| 40 | $1,589 | $2,307 | $2,691 |
| 45 | $1,532 | $2,239 | $2,614 |
| 55 | $1,423 | $2,076 | $2,423 |
| 65 | $1,482 | $2,161 | $2,517 |
| 75 | $1,844 | $2,714 | $3,197 |
Best Jeep Cherokee Insurance Discounts: How to Lower Your Jeep Cherokee Insurance Premiums
Jeep Cherokee insurance is already affordable when compared to coverage for other SUVs. However, we're betting no driver would turn down the chance to save even more money on their auto insurance premiums. Here are several easy steps you can take to potentially lower your costs even further:
- Ask about Jeep Cherokee insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Jeep may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Jeep Cherokee insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Jeep Cherokee insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest coverage for your Jeep Cherokee. They can also suggest other ways to save the most money on Jeep Cherokee car insurance.
An Independent Insurance Agent Can Help You Get the Best Jeep Cherokee Insurance Quotes
When it's time to find the most affordable Jeep Cherokee insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Jeep Cherokee insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Jeep Cherokee Insurance
How much does Jeep Cherokee insurance cost per year?
The average annual cost of full coverage for a Jeep Cherokee is $1,738 per year, or approximately $145 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Jeep Cherokee insurance premiums?
If you have filed claims in the past, have traffic violations or accidents on your record, or live in an area with a high theft rate, you may have higher Jeep Cherokee insurance premiums.
Is the Jeep Cherokee expensive to insure?
No, the Jeep Cherokee isn't expensive to insure on average. The cost of a six-month full coverage policy is only $869.
What are the best and cheapest carriers for Jeep Cherokee insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2023 Jeep Cherokee insurance this year.
Is insurance cheaper for the Cherokee than for other SUVs?
Yes, the Jeep Cherokee's average insurance rates are cheaper than those for other SUVs. While the Cherokee's average full coverage rates are just $145 per month, other SUVs average $184 per month.
How can I get cheaper Jeep Cherokee insurance?
Finding cheaper Jeep Cherokee insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/jeep-cherokee-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/jeep/cherokee/