Jeep Liberty Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
U.S. average insurance rates for a Jeep Liberty are $964 a year with full coverage. Comprehensive insurance costs approximately $148 each year, collision insurance costs $184, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,070 or more. Teen drivers pay the highest rates at up to $3,926 a year.
Average premium for full coverage: $964
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Liberty models.
Price Range from Low to High
For an average driver, Jeep Liberty insurance prices range from as low as $522 for just liability coverage to a high rate of $2,070 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on price averages.
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.
Detailed Rate Analysis
The chart below details average Jeep Liberty insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $591
- Using higher $1,000 deductibles will save $76 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $964
- Choosing low deductibles for physical damage coverage will cost an extra $142 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,070
- The price for full coverage for a 16-year-old driver can cost $3,926 or more
Auto insurance prices for a Jeep Liberty are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age
The state you live in has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,300 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$92 | -9.5% |
| Alaska | $738 | -$226 | -23.4% |
| Arizona | $798 | -$166 | -17.2% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $922 | -$42 | -4.4% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $888 | -$76 | -7.9% |
| Hawaii | $692 | -$272 | -28.2% |
| Idaho | $650 | -$314 | -32.6% |
| Illinois | $716 | -$248 | -25.7% |
| Indiana | $724 | -$240 | -24.9% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $916 | -$48 | -5.0% |
| Kentucky | $1,314 | $350 | 36.3% |
| Louisiana | $1,424 | $460 | 47.7% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $794 | -$170 | -17.6% |
| Massachusetts | $770 | -$194 | -20.1% |
| Michigan | $1,672 | $708 | 73.4% |
| Minnesota | $806 | -$158 | -16.4% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $854 | -$110 | -11.4% |
| Montana | $1,034 | $70 | 7.3% |
| Nebraska | $758 | -$206 | -21.4% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $692 | -$272 | -28.2% |
| New Jersey | $1,076 | $112 | 11.6% |
| New Mexico | $852 | -$112 | -11.6% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $664 | -$300 | -31.1% |
| Oklahoma | $990 | $26 | 2.7% |
| Oregon | $882 | -$82 | -8.5% |
| Pennsylvania | $918 | -$46 | -4.8% |
| Rhode Island | $1,284 | $320 | 33.2% |
| South Carolina | $872 | -$92 | -9.5% |
| South Dakota | $812 | -$152 | -15.8% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,160 | $196 | 20.3% |
| Utah | $714 | -$250 | -25.9% |
| Vermont | $662 | -$302 | -31.3% |
| Virginia | $576 | -$388 | -40.2% |
| Washington | $746 | -$218 | -22.6% |
| West Virginia | $882 | -$82 | -8.5% |
| Wisconsin | $666 | -$298 | -30.9% |
| Wyoming | $860 | -$104 | -10.8% |
Choosing high deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 41% to 127% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Liberty Sport 2WD | $942 | $79 |
| Jeep Liberty Limited 2WD | $964 | $80 |
| Jeep Liberty Renegade 4WD | $964 | $80 |
| Jeep Liberty Sport 4WD | $964 | $80 |
| Jeep Liberty Limited 4WD | $984 | $82 |
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 | $158 | $200 | $478 | $994 |
| 2011 Jeep Liberty | $148 | $184 | $474 | $964 |
| 2010 Jeep Liberty | $140 | $166 | $474 | $938 |
| 2008 Jeep Liberty | $132 | $146 | $460 | $896 |
| 2007 Jeep Liberty | $130 | $140 | $452 | $880 |
| 2006 Jeep Liberty | $120 | $132 | $446 | $856 |
| 2005 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 Find the Best Cheap Jeep Liberty Insurance
Getting lower rates on insurance for a Jeep Liberty requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below is a quick review of the primary concepts that were covered in the above illustrations.
- You may be able to save around $110 per year just by quoting online in advance
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,110 more per year for auto insurance
- Increasing physical damage deductibles can save around $225 each year
- Teenage drivers have the highest car insurance prices, costing up to $327 a month if they have full coverage
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 | $3,926 |
| 20 | $2,200 |
| 30 | $976 |
| 40 | $964 |
| 50 | $884 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,106 |
| $250 | $1,042 |
| $500 | $964 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,079 |
| 100/300 | $1,197 |
| 250/500 | $1,505 |
| 100 CSL | $1,126 |
| 300 CSL | $1,387 |
| 500 CSL | $1,577 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,522 |
| 20 | $3,510 |
| 30 | $2,084 |
| 40 | $2,070 |
| 50 | $1,980 |
| 60 | $1,960 |
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 | $48 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $33 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $373 |
Discounts are estimated and may not be available from every company or in every state.
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