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Jerry Data & Research
Cheapest Jeep Cherokee SE Car Insurance (Apr 2024)
Cheapest Jeep Cherokee SE Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Jeep Cherokee SE
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does Jeep Cherokee SE car insurance cost?
- Compare the cheapest Jeep Cherokee SE car insurance quotes
- The best car insurance companies for Jeep Cherokee SE owners
- Jeep Cherokee SE insurance cost by model year
- Are Jeep Cherokee SEs expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does Jeep Cherokee SE car insurance cost?
On average, Jeep Cherokee SE pay about $68 per month or $816 per year for state minimum coverage, while the average cost for a full coverage policy is around $82 per month or $984 per year.
Understanding these averages is a great place to start when looking for car insurance rates, but remember, these are just averages. The cost to insure your Jeep Cherokee SE will depend on your driving profile along with your vehicle's MSRP, model year, and specific features.
Compare the cheapest Jeep Cherokee SE car insurance quotes
This may feel complicated, but it doesn’t have to be. As a trusted insurance broker and free quote comparison tool, Jerry is an essential resource for Jeep Cherokee SE owners.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 19, 2024 | 1994 Jeep Cherokee SE | Clearcover | $94 | Bernard, 26 | • State Minimum Liability |
April 18, 2024 | 1995 Jeep Cherokee SE | Dairyland | $265 | Edwin, 22 | • 50,000/100,000 Liability |
April 13, 2024 | 2000 Jeep Cherokee SE | Mercury | $90 | Caleb, 53 | • State Minimum Liability |
April 9, 2024 | Progressive | $69 | Edith, 34 | • 100,000/300,000 Liability | |
April 2, 2024 | Safeco | $111 | Lola, 24 Vicksburg, MI | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024It’s important to remember that auto insurance rates can vary significantly, even for the same car model and trim. For instance, driver age has a major impact on rates: an 18-year-old driver will pay a much higher premium for a t Jeep Cherokee SE insurance policy than a 30-year-old driver.
While
average rates
are helpful, shopping for personalized quotes
is the best way to find out how much you can expect to pay for t Jeep Cherokee SE car insurance. The best car insurance companies for Jeep Cherokee SE owners
There is no best car insurance company for all Jeep Cherokee SE owners. That’s because car insurance quotes are based on factors unique to you—your age, your address, your driving history, your deductibles, and more.
The cheapest insurance company for one Jeep Cherokee SE driver might give higher quotes to another person—even though they’re insuring the exact same model and trim.
Besides price, you also need to consider other factors such as claim handling and customer service.
To help drivers better compare different
car insurance companies
, Jerry’s conducted the largest insurance shopping survey in the nation to learn about drivers’ satisfaction with the prices, customer service, claims handling, and overall experience of different auto insurance companies. The table below shows how Jeep Cherokee SE drivers rate different companies.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much does Jeep Cherokee SE insurance cost?
From our experience helping lots of Jeep Cherokee SE drivers lower their car insurance rates, we found that the average cost of minimum liability coverage is $68 per month or $816 per year.
The average cost for full coverage insurance is $82 per month or $984 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $68 | $816 |
Full coverage | $82 | $984 |
How much car insurance do you need for a Jeep Cherokee SE?
There are two options for Jeep Cherokee SE car insurance:
- Minimum coverage insuranceis the minimum amount legally required in your state and typically includesbodily injuryandproperty damage liability. Some states may require additional coverage as part of state car insurance laws.
- Full coverage insurancecovers the cost of physical damages for you, your vehicle, and other vehicles and passengers involved in an accident. It generally includescomprehensiveandcollision coverage.
A minimum coverage insurance policy for your Jeep Cherokee is the cheapest option for your Jeep Cherokee SE—but may not provide you with the most protection. If you’re involved in an accident, any damages to your vehicle will not be covered—and in the event that your limits max out, you could be placing your assets and future income on the line.
To better protect your vehicle and finances, a full coverage policy with higher liability limits is often the most secure and beneficial option. Most experts suggest limits of 50/100/50 or 100/300/100, but these decisions will be based on your specific insurance needs and budget.
How do Jeep Cherokee SE insurance quotes compare to other Jeep Cherokee car insurance rates?
Car insurance rates vary dramatically based on a trim level due to engine sizes, MSRPs, and vehicle features.
Put simply, vehicles with larger and more powerful engines offer better performance, which increases the risk of being involved in an accident and your level of risk as a policyholder. As a result, insurers raise premiums to compensate. Similarly, a Jeep Cherokee with more features has higher repair and replacement costs and, therefore, higher insurance costs.
Since the Jeep Cherokee SE was only produced from 1994 to 2001, you can expect insurance rates to be significantly lower than they would for newer models due to fewer costly features and a considerably lower vehicle value.
However, fewer safety features and lower safety ratings than newer models can lead to higher insurance rates on older vehicles.
Take a look at the table below to see how auto insurance rates for the Jeep Cherokee SE compare to other trims.
| Car Model & Trim | Average State Minimal Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Cherokee SE | $68 | $82 |
Cherokee Country | $81 | $147 |
$84 | $182 | |
$85 | $168 | |
$85 | $159 | |
$89 | $153 | |
$89 | $158 | |
$93 | $201 | |
$100 | $178 | |
$100 | $171 | |
$154 | $182 |
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Jeep Cherokee SE insurance cost by model year
The model year of your Jeep Cherokee SE significantly influences how much you’ll pay for car insurance. Newer models have higher MSRPs and more features that increase repair and replacement costs and, therefore, insurance costs. You'll likely see lower insurance rates if you drive an older Jeep Cherokee SE model.
The tables below break down the average insurance cost for the Jeep Cherokee SE by model year.
Vehicle year | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
2000 | $80 | $140 |
1999 | $76 | $120 |
1998 | $70 | N/A |
1997 | $88 | $207 |
1996 | $110 | $194 |
1995 | $82 | $137 |
1994 | $45 | $73 |
Are Jeep Cherokee SEs expensive to insure?
Compared to the national average for other models from a similar price range, it is 28% less expensive to insure a Jeep Cherokee SE.
Check out some similar cars for comparison:
| Model | Average State Minimal Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Jeep J10 | $38 | $128 |
$54 | $172 | |
$69 | $90 | |
$83 | $124 | |
$85 | $162 | |
$93 | $201 | |
Jeep Grand Cherokee | $93 | $201 |
$95 | $189 | |
Jeep Renegade | $98 | $173 |
$126 | $147 |
When determining insurance premiums, insurance providers take many factors into consideration. MSRP, trim level, model year, theft rates, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
Insurance companies also look at your car’s safety. Below are safety ratings of Jeep Cherokee SE from the Insurance Institute for Highway Safety (IIHS).
| Rating Type | Rating |
|---|---|
Small overlap front: driver-side | Good |
Small overlap front: passenger-side | Good |
Moderate overlap front: original test | Good |
Side: original test | Good |
Roof strength | Good |
Head restraints & seats | Good |
Headlights (varies by trim/option) | Average/Marginal/Poor depending on trim/option |
Front crash prevention: vehicle-to-vehicle | Superior |
Compare insurance costs for other cars
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
