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 for full coverage insurance. Comprehensive insurance costs around $140, collision costs $166, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,016 or more. Teenage drivers pay the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $577
• Drivers who choose higher $1,000 deductibles will pay about $70 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $938
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $130 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,016 or more
• The price with full coverage for a teen driver with full coverage can be $3,848 a year

View Chart as Image

Auto insurance prices for a Jeep Liberty are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Jeep Liberty insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,270 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Cheaper Jeep Liberty Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the primary concepts that were raised in the charts and tables above.

• It is possible to save up to $100 per year simply by shopping early and online
• Higher risk drivers with multiple at-fault accidents pay on average $1,080 more every year for car insurance
• Increasing physical damage deductibles could save up to $200 each year
• Teenagers are expensive to insure, as much as $321 a month if full coverage is included

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.