Rivian R2 vs Jeep Cherokee Insurance Cost

The Jeep Cherokee is cheaper to insure by about $100 a year for full coverage by our estimate ($1,605 vs. $1,505), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Rivian R2	Jeep Cherokee	Difference
State minimum	$585	$585	—
Standard (100/300/100)	$845	$845	—
Full coverage	$1,605	$1,505	+$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = R2 minus Cherokee.

Why one costs more to insure

Factor	Rivian R2	Jeep Cherokee
Segment	Midsize SUV	Midsize SUV
Powertrains	Electric	Gasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	1	7

R2 vs Cherokee insurance by state

State	R2	Cherokee	Difference
Alabama	$1,405	$1,310	+$95
Alaska	$1,410	$1,315	+$95
Arizona	$1,675	$1,575	+$100
Arkansas	$1,430	$1,330	+$100
California	$1,590	$1,475	+$115
Colorado	$1,820	$1,710	+$110
Connecticut	$1,690	$1,595	+$95
Delaware	$1,760	$1,675	+$85
District of Columbia	$2,030	$1,895	+$135
Florida	$2,240	$2,145	+$95
Georgia	$1,955	$1,860	+$95
Hawaii	$1,115	$1,035	+$80
Idaho	$1,090	$1,020	+$70
Illinois	$1,395	$1,305	+$90
Indiana	$1,145	$1,070	+$75
Iowa	$1,105	$1,025	+$80
Kansas	$1,295	$1,205	+$90
Kentucky	$1,345	$1,265	+$80
Louisiana	$2,210	$2,080	+$130
Maine	$1,030	$960	+$70
Maryland	$1,790	$1,685	+$105
Massachusetts	$1,580	$1,480	+$100
Michigan	$1,755	$1,640	+$115
Minnesota	$1,345	$1,260	+$85
Mississippi	$1,540	$1,440	+$100
Missouri	$1,460	$1,365	+$95
Montana	$1,295	$1,205	+$90
Nebraska	$1,295	$1,210	+$85
Nevada	$1,805	$1,720	+$85
New Hampshire	$1,150	$1,070	+$80
New Jersey	$1,905	$1,810	+$95
New Mexico	$1,445	$1,350	+$95
New York	$2,125	$2,015	+$110
North Carolina	$1,215	$1,125	+$90
North Dakota	$1,050	$965	+$85
Ohio	$1,150	$1,075	+$75
Oklahoma	$1,455	$1,360	+$95
Oregon	$1,420	$1,350	+$70
Pennsylvania	$1,415	$1,315	+$100
Rhode Island	$1,920	$1,815	+$105
South Carolina	$1,695	$1,605	+$90
South Dakota	$1,250	$1,155	+$95
Tennessee	$1,345	$1,250	+$95
Texas	$1,905	$1,785	+$120
Utah	$1,440	$1,365	+$75
Vermont	$1,060	$980	+$80
Virginia	$1,380	$1,295	+$85
Washington	$1,385	$1,310	+$75
West Virginia	$1,350	$1,260	+$90
Wisconsin	$1,105	$1,030	+$75
Wyoming	$1,275	$1,180	+$95

By driver profile (full coverage)

Driver	R2	Cherokee
Teen driver (18, own policy)	$4,405	$4,140
Young adult (22)	$2,565	$2,405
Adult in their 30s	$1,605	$1,505
Adult in their 50s	$1,475	$1,385
Senior (72)	$1,795	$1,685
30s, one at-fault accident	$2,325	$2,180
30s, DUI on record	$2,965	$2,785

More comparisons

Frequently asked questions

Is the Rivian R2 or the Jeep Cherokee cheaper to insure?

By our estimate the Jeep Cherokee is cheaper, by about $100 a year for full coverage ($1,605 vs. $1,505) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Rivian R2 and Jeep Cherokee?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page