Volkswagen Touareg vs Jeep Cherokee Insurance Cost
The Volkswagen Touareg is cheaper to insure by about $280 a year for full coverage by our estimate ($1,225 vs. $1,505), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Volkswagen Touareg | Jeep Cherokee | Difference |
|---|---|---|---|
| State minimum | $585 | $585 | — |
| Standard (100/300/100) | $845 | $845 | — |
| Full coverage | $1,225 | $1,505 | −$280 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Touareg minus Cherokee.
Why one costs more to insure
| Factor | Volkswagen Touareg | Jeep Cherokee |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Hybrid, Diesel | 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) | 5 | 7 |
Touareg vs Cherokee insurance by state
By driver profile (full coverage)
| Driver | Touareg | Cherokee |
|---|---|---|
| Teen driver (18, own policy) | $3,370 | $4,140 |
| Young adult (22) | $1,960 | $2,405 |
| Adult in their 30s | $1,225 | $1,505 |
| Adult in their 50s | $1,125 | $1,385 |
| Senior (72) | $1,370 | $1,685 |
| 30s, one at-fault accident | $1,775 | $2,180 |
| 30s, DUI on record | $2,265 | $2,785 |
More comparisons
Frequently asked questions
Is the Volkswagen Touareg or the Jeep Cherokee cheaper to insure?
By our estimate the Volkswagen Touareg is cheaper, by about $280 a year for full coverage ($1,225 vs. $1,505) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Volkswagen Touareg 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.