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.

Estimated insurance prices for a Jeep Liberty are $938 every 12 months with full coverage. Comprehensive insurance costs around $140 a year, collision costs $166, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,016 or more. Teen drivers pay the most at $3,848 a year or more.

Average premium for full coverage: $938

Premium estimates for type of coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Liberty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below details estimated Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $577
• Using higher $1,000 deductibles will save about $868 annually
• The average price for a 40-year-old good driver using $500 deductibles is $938
• Choosing low $100 deductibles for physical damage coverage costs an extra $130 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,016 or more
• An auto insurance policy to insure a teen driver can be $3,848 or more

View Chart as Image

Auto insurance prices for a Jeep Liberty also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $200 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 130% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $680 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.

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 better rates on Jeep Liberty insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The following is a recap of the information covered above.

• You may be able to save up to $100 per year simply by quoting early and online
• Teens are expensive to insure, possibly costing $321 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $200 each year
• High-risk drivers that have major violations or accidents pay on average $1,080 more every year for Liberty insurance
• Drivers who may need higher liability limits will pay about $520 every year to increase from 30/60 bodily injury limits to a 250/500 level

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.