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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Jeep Cherokee drivers pay less than the national average for car insurance, according to Compare.com data. Basic liability coverage averages less than $100 per month, while a more robust full-coverage policy runs around $179.
Travelers Insurance regularly offers some of the lowest rates for Cherokee owners, with premiums averaging $73 per month. Of course, rates vary depending on your location, model year, and driving history.
Our guide to Jeep Cherokee car insurance will help you find the cheapest policies, choose the right coverage, and find the best car insurance companies for your needs.
Jeep Cherokee drivers pay an average of $138 per month for car insurance. But a speeding ticket raises average Cherokee rates to $192 per month.
New York Cherokee drivers pay the most for insurance, at $314 per month. North Carolina drivers pay the least, at $61 per month.
Four-wheel drive, touchscreens, and higher trim levels can all raise insurance costs for your Cherokee.
The type of policy you choose for your Cherokee significantly affects your insurance costs. A liability-only policy covers damage and injuries you cause to others but doesn’t protect you or your Jeep. Full-coverage policies add comprehensive and collision protection to help cover damage from crashes, theft, fire, and weather.
Take a look at Cherokee insurance rates by policy type and how they compare to the national average, according to data from Compare.com.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Jeep Cherokee | $97 | $179 | $138 |
| All vehicles | $107 | $197 | $152 |
Jeep Cherokee drivers pay an average of $97 per month for liability-only insurance and $179 per month for full coverage.
But many insurance companies offer rates far below average. Let’s review some of the cheapest options next.
No matter the average rates, you can always save money on car insurance. Especially if you compare quotes from companies known for cheaper-than-average rates.
We’ve highlighted the five companies offering the lowest average rates for Cherokee drivers, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $73 |
| Root | $79 |
| Mile Auto | $79 |
| Apparent | $83 |
| Mercury | $93 |
Travelers offers the lowest average rates for Jeep Cherokee drivers, at $73 per month.
Keep in mind that companies offering the cheapest average rates may not be the cheapest for you. Your premiums depend on many factors, so it’s always smart to get quotes from several companies.
Next, we break down how rates change based on age, driving history, and more.
There’s no one-size-fits-all answer to which insurer is “best” for Jeep Cherokee drivers. The right company depends on your age, driving history, location, and more. We chose the insurers below based on their affordable rates, excellent customer service, discounts, and coverage options.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers competitive rates and flexible coverage options. Its Premier Responsible Driver Plan combines accident and minor violation forgiveness with a decreasing deductible. The company offers various discounts, including the IntelliDrive telematics program.
But Travelers ranks below-average for claims and customer satisfaction in most regions by J.D. Power.[1] [2] The company also has many bad customer reviews on Trustpilot.[3]
Discounts on additional insurance products available
Offers accident forgiveness
Lower-than-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Lower-than-average claims and customer satisfaction ratings
Bad customer reviews
Recent data breaches[4]
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Erie Insurance’s RateLock freezes your premiums until you make major policy changes, like adding a vehicle or moving. The optional Erie Auto Plus package adds more value with perks like diminishing deductible, extended rental car coverage, and increased coverage limits. Known for low rates, Erie also offers a multi-policy discount.
That said, Erie has poor customer reviews on Trustpilot.[5] You also can’t file claims online with the insurer.
RateLock program available
Highly customizable policies
Strong customer and claims satisfaction ratings
Available in only 12 states
Poor Trustpilot rating
Can’t file claims online
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
Mile Auto offers pay-per-mile insurance that’s great for people who drive less than 7,000 miles per year. Instead of a tracking device or app, Mile Auto bases your rates on a photo of your odometer. Some drivers report good initial experiences but say customer service can be slow. Others mention hidden fees for administrative costs and data reporting.
Find the coverage you need for your Jeep Cherokee at the best price.
The age of your Jeep Cherokee affects how much you pay for car insurance. Newer models often cost more to insure because they’re worth more. As vehicles get older, premiums go down as the value drops.
We compiled average monthly insurance rates for the Jeep Cherokee by model year, along with the cheapest insurer and its average premium, according to Compare.com data.
Cherokee Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2023 | $158 | National General | $126 |
| 2022 | $140 | Mile Auto | $82 |
| 2021 | $145 | Travelers | $78 |
| 2020 | $155 | Travelers | $78 |
| 2019 | $147 | Travelers | $70 |
| 2018 | $143 | Mile Auto | $80 |
| 2017 | $136 | Travelers | $70 |
| 2016 | $132 | Certainly | $62 |
| 2015 | $131 | Travelers | $64 |
| 2014 | $128 | Root | $63 |
In the following section, we break down how your location influences Jeep Cherokee premiums and how rates vary by state.
Where you live plays a significant role in what you pay for car insurance. Rates generally rise in areas with higher accident rates, more traffic, or frequent severe weather.
Here’s how insurance premiums for Jeep Cherokees vary by state, based on Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $81 |
| Arizona | $109 |
| Arkansas | $156 |
| California | $157 |
| Colorado | $128 |
| Connecticut | $248 |
| Delaware | $151 |
| Florida | $159 |
| Georgia | $162 |
| Idaho | $82 |
| Illinois | $102 |
| Indiana | $88 |
| Iowa | $74 |
| Kansas | $100 |
| Kentucky | $159 |
| Louisiana | $147 |
| Maine | $97 |
| Maryland | $224 |
| Massachusetts | $123 |
| Michigan | $191 |
| Minnesota | $123 |
| Mississippi | $123 |
| Missouri | $119 |
| Montana | $99 |
| Nebraska | $115 |
| Nevada | $194 |
| New Hampshire | $75 |
| New Jersey | $129 |
| New Mexico | $94 |
| New York | $314 |
| North Carolina | $61 |
| North Dakota | $94 |
| Ohio | $83 |
| Oklahoma | $106 |
| Oregon | $105 |
| Pennsylvania | $106 |
| Rhode Island | $93 |
| South Carolina | $179 |
| South Dakota | $79 |
| Tennessee | $92 |
| Texas | $145 |
| Utah | $119 |
| Vermont | $89 |
| Virginia | $118 |
| Washington | $91 |
| District of Columbia | $185 |
| West Virginia | $94 |
| Wisconsin | $83 |
| Wyoming | $79 |
Now let’s take a closer look at how age and driving history affect your Cherokee insurance costs.
Age plays a huge role in car insurance rates, especially for young drivers. Teens typically pay the highest rates because they’re three times as likely to get into accidents, according to the Insurance Institute for Highway Safety (IIHS).[8] Rates usually drop as drivers age. Older drivers tend to drive more cautiously and less frequently.[9] [10]
The table below highlights the average monthly insurance cost for Jeep Cherokee drivers by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $160 |
| Adults | $126 |
| Seniors | $106 |
Senior drivers pay the lowest average Cherokee rates, at $106 per month. Teens pay the most, at $160 per month.
Let’s see how your driving history affects what you pay to insure your Cherokee.
Your driving record can significantly affect your car insurance premiums. Insurers charge more for high-risk drivers, which means that accidents, tickets, and driving under the influence (DUI) convictions can spike rates.
The table below shows average monthly premiums for Jeep Cherokee drivers based on driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $138 |
| Speeding ticket | $192 |
| At-fault accident | $200 |
| DUI | $227 |
Rates for Cherokee drivers with a DUI average $227 per month, 40% higher than for drivers with a clean record. But even a speeding ticket causes a noticeable jump.
The bottom line is that safe driving pays. Even with past mistakes, avoiding new infractions helps lower rates.
Let’s break down Cherokee features that affect insurance rates.
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The features of your Jeep Cherokee affect its value and repair costs, raising or lowering insurance rates. Here are a few features that matter most when it comes to auto insurance:
Trim level: The base model Loredo A typically costs less to insure than others due to its lower value.
Rear-seat camera: This option allows you to monitor your back seat, but it may increase premiums.
Passenger and rear-seat displays: These displays can be entertaining and convenient, but they also increase repair costs.
Four-wheel drive: Choosing all-wheel drive increases value and repair costs, raising premiums.
Safety features: Your Cherokee’s safety technology could qualify for a discount, but it can also increase repair costs.
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You can lower your Jeep Cherokee insurance costs without sacrificing coverage. Here’s how to get started:
Pay your bill in full. Most insurers offer a paid-in-full discount for paying your policy premiums up front for the entire term.
Raise your deductible. A higher insurance deductible can lower your premium. But you should keep an emergency fund if you need to file a claim because you’ll pay more out of pocket.
Bundle your policies. Many insurers offer multi-policy discounts for bundling car insurance with homeowners, renters, and other policies.
Skip upgrades. Luxurious finishes and optional tech features can increase value, repair costs, and insurance premiums.
Shop around: Rates can change frequently, so compare quotes every six months for the best value.
Compare quotes and save money in seconds.
Here are answers to some popular insurance questions from Cherokee drivers.
Not usually. The Jeep Cherokee costs an average of $138 per month to insure, less than the national average for all vehicles of $152 per month, according to Compare.com data. But your rate depends on more than your vehicle, including your age, driving record, and location.
Travelers offers some of the most competitive average rates for Cherokee owners, with premiums averaging $73 per month, according to Compare.com data. Coverage levels and personal factors affect average rates, so another company might offer you a cheaper rate.
Jeep didn’t manufacture a 2024 Jeep Cherokee. The 2023 Cherokee costs an average of $158 per month to insure, according to Compare.com data.
The Cherokee is the cheapest Jeep vehicle to insure, with rates averaging $138 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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