Jeep Liberty Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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If you are struggling with the best way to shop for Jeep Liberty insurance with confidence, look no further. Average Jeep Liberty insurance rates amount to $1,114 per year, and that average figure is based on a variety of factors like the age of the vehicle.
For example, 2003 Jeep Liberty insurance costs are typically more expensive than 2002 Jeep Liberty insurance costs.
We have detailed all of the information you need to know about how to buy a Jeep Liberty insurance policy that meets your needs and budget in this article.
Feel free to get started by reading through the information below. And don’t forget to enter your five-digit ZIP code in our free online tool to compare Jeep Liberty deals from multiple insurance companies.
Estimated auto insurance rates for a Jeep Liberty are $938 annually for full coverage insurance. Comprehensive costs an estimated $140, collision insurance costs $166, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs around $2,016. Teens pay the most at up to $3,848 a year.
Average premium for full coverage: $938
Premium estimates broken down by type of coverage:
Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Liberty models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Jeep Liberty range from as cheap as $522 for your basic liability-only policy to the much higher price of $2,016 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates average Jeep Liberty insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $577
- Raising to $1,000 deductibles will save approximately $70 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $938
- Selecting pricier low deductibles will cost $1,068
- Drivers with serious driving violations could pay up to $2,016
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $3,848
Car insurance prices for a Jeep Liberty also have a wide range based on the model of your Liberty, your risk profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,100 to $1,600 extra annually, depending on your age. Jeep Liberty insurance for high-risk drivers is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $200 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find prices as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,270 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $848 | -$90 | -9.6% |
| Alaska | $718 | -$220 | -23.5% |
| Arizona | $778 | -$160 | -17.1% |
| Arkansas | $938 | -$0 | 0.0% |
| California | $1,068 | $130 | 13.9% |
| Colorado | $894 | -$44 | -4.7% |
| Connecticut | $964 | $26 | 2.8% |
| Delaware | $1,062 | $124 | 13.2% |
| Florida | $1,174 | $236 | 25.2% |
| Georgia | $864 | -$74 | -7.9% |
| Hawaii | $674 | -$264 | -28.1% |
| Idaho | $632 | -$306 | -32.6% |
| Illinois | $698 | -$240 | -25.6% |
| Indiana | $704 | -$234 | -24.9% |
| Iowa | $632 | -$306 | -32.6% |
| Kansas | $892 | -$46 | -4.9% |
| Kentucky | $1,280 | $342 | 36.5% |
| Louisiana | $1,386 | $448 | 47.8% |
| Maine | $578 | -$360 | -38.4% |
| Maryland | $772 | -$166 | -17.7% |
| Massachusetts | $752 | -$186 | -19.8% |
| Michigan | $1,630 | $692 | 73.8% |
| Minnesota | $784 | -$154 | -16.4% |
| Mississippi | $1,122 | $184 | 19.6% |
| Missouri | $832 | -$106 | -11.3% |
| Montana | $1,006 | $68 | 7.2% |
| Nebraska | $740 | -$198 | -21.1% |
| Nevada | $1,124 | $186 | 19.8% |
| New Hampshire | $674 | -$264 | -28.1% |
| New Jersey | $1,048 | $110 | 11.7% |
| New Mexico | $832 | -$106 | -11.3% |
| New York | $988 | $50 | 5.3% |
| North Carolina | $540 | -$398 | -42.4% |
| North Dakota | $768 | -$170 | -18.1% |
| Ohio | $646 | -$292 | -31.1% |
| Oklahoma | $962 | $24 | 2.6% |
| Oregon | $858 | -$80 | -8.5% |
| Pennsylvania | $894 | -$44 | -4.7% |
| Rhode Island | $1,250 | $312 | 33.3% |
| South Carolina | $848 | -$90 | -9.6% |
| South Dakota | $792 | -$146 | -15.6% |
| Tennessee | $822 | -$116 | -12.4% |
| Texas | $1,130 | $192 | 20.5% |
| Utah | $694 | -$244 | -26.0% |
| Vermont | $644 | -$294 | -31.3% |
| Virginia | $562 | -$376 | -40.1% |
| Washington | $726 | -$212 | -22.6% |
| West Virginia | $858 | -$80 | -8.5% |
| Wisconsin | $650 | -$288 | -30.7% |
| Wyoming | $836 | -$102 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Liberty Sport 2WD | $918 | $77 |
| Jeep Liberty Limited 2WD | $938 | $78 |
| Jeep Liberty Renegade 4WD | $938 | $78 |
| Jeep Liberty Sport 4WD | $938 | $78 |
| Jeep Liberty Limited 4WD | $956 | $80 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Jeep Liberty | $148 | $184 | $474 | $964 |
| 2011 Jeep Liberty | $140 | $166 | $474 | $938 |
| 2010 Jeep Liberty | $134 | $150 | $468 | $910 |
| 2008 Jeep Liberty | $130 | $140 | $452 | $880 |
| 2007 Jeep Liberty | $120 | $132 | $446 | $856 |
| 2006 Jeep Liberty | $116 | $126 | $442 | $842 |
Rates are averaged for all Jeep Liberty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Jeep Liberty Insurance
Finding better rates on insurance for a Jeep Liberty consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a quick review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,080 more annually to buy Jeep Liberty insurance
- It is possible to save approximately $100 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $200 each year
- Insureds who want increased levels of liability coverage will pay approximately $520 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
As you can see from some of the information we’ve gone over to this point, you have more information to answer the question, “Are Jeep Libertys expensive to insure?” Still, the best way to find insurance for a Jeep Liberty is by using our free comparison tool below.
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What are the safety ratings of the Jeep Liberty?
Average Jeep Liberty insurance rates can vary depending upon the safety ratings of the particular model you drive.
Take a look at the following safety ratings of the Jeep Liberty as determined by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): N/R
- Small overlap front (passenger-side): N/R
- Moderate overlap front: Good
- Side: Marginal
- Roof strength: Good
- Head restraints and seats: Acceptable
For a brief frame of reference, “Good” is the highest rating possible. The fact that the Jeep Liberty received this score for the overlap front and roof strength is good news.
Jeep Liberty Compared Against Other Vehicles in the Same Class
If you are curious to know how the Jeep Liberty stacks up to other similar models, take a look at the following small midsize SUVs.
Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Jeep Liberty.
Data from the IIHS shows that the Jeep Liberty has a bodily injury loss percentage of 18 percent and a property damage loss percentage of 35 percent. Both of these figures are a little above average for this vehicle class.
Now that we have gone into great detail about how Jeep Liberty insurance rates are calculated, is there anything we might have missed? If not, start comparing Jeep Liberty quotes from multiple companies by taking advantage of our free online tool.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,848 |
| 20 | $2,140 |
| 30 | $946 |
| 40 | $938 |
| 50 | $862 |
| 60 | $844 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,068 |
| $250 | $1,010 |
| $500 | $938 |
| $1,000 | $868 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $938 |
| 50/100 | $1,051 |
| 100/300 | $1,169 |
| 250/500 | $1,477 |
| 100 CSL | $1,098 |
| 300 CSL | $1,359 |
| 500 CSL | $1,549 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,402 |
| 20 | $3,414 |
| 30 | $2,024 |
| 40 | $2,016 |
| 50 | $1,928 |
| 60 | $1,906 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $361 |
Discounts are estimated and may not be available from every company or in every state.
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