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 rates for a Jeep Liberty are $938 a year including full coverage. Comprehensive costs around $140, collision costs $166, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,016. Teen drivers cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 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. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $577
• Choosing higher $1,000 deductibles can save about $70 every year
• The estimated price for a good driver age 40 using $500 deductibles is $938
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,068
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,016 or more
• Policy cost that insures a teen driver with full coverage can be $3,848 each year

View Chart as Image

Insurance rates for a Jeep Liberty also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

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 $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $200 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 Find the Best Cheap Jeep Liberty Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a quick review of the data that was touched on in this article.

• You may be able to save up to $100 per year simply by shopping early and online
• Policyholders who may need higher liability limits will pay about $520 per year to raise limits from a 30/60 limit to the 250/500 level
• Teenagers pay higher rates, with premiums being up to $321 each month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,080 more every year for car insurance

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.