Jeep Liberty Insurance Rates

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.

The average insurance prices for a Jeep Liberty are $964 every 12 months with full coverage. Comprehensive costs approximately $148, collision costs $184, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,070. 16-year-old drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $964

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $591
• Choosing higher $1,000 deductibles can save $76 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $964
• Buying more expensive low deductibles for comp and collision coverage increases the price to $1,106
• Unlucky drivers with multiple tickets or accidents could pay around $2,070 or more
• Policy cost to insure a teen driver with full coverage can cost $3,926 each year

View Chart as Image

Insurance rates for a Jeep Liberty also range considerably based on liability limits and deductibles, your driving record, and the model of your Liberty.

Opting for high physical damage deductibles can save as much as $220 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 41% to 127% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Jeep Liberty insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Cheapest Jeep Liberty Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a recap of the material that was touched on above.

• Policyholders who purchase more liability protection will pay around $520 every year to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers are expensive to insure, as much as $327 each month if they have full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,110 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $225 each year

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.

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.

• Dodge Journey
• GMC Acadia
• Nissan Pathfinder

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.