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.

U.S. average auto insurance rates for a Jeep Liberty are $938 annually with full coverage. Comprehensive insurance costs on average $140 a year, collision insurance costs $166, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $2,016 or more. Teens pay the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below details average Jeep Liberty insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $577
• Choosing higher $1,000 deductibles can save around $868 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $938
• Selecting low $100 deductibles for comp and collision coverage costs an additional $130 each year
• Drivers with serious driving violations could pay upwards of $2,016
• The price with full coverage for a teenage driver may cost $3,848 each year

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $200 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

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 Buy Affordable Jeep Liberty Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief review of the information covered above.

• You may be able to save as much as $100 per year just by quoting early and online
• Teen drivers pay the highest prices, costing up to $321 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $200 each year
• Drivers with DUI or reckless driving convictions pay an average of $1,080 more each year to insure their Liberty
• Consumers who require more liability coverage will pay approximately $520 every year to raise limits from a low limit 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.

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.