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.

Average insurance rates for a Jeep Liberty are $938 a year for full coverage. Comprehensive insurance costs an estimated $140 each year, collision costs $166, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,016 or more. Teenage drivers receive the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Liberty models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

These examples show why all drivers should compare prices for a targeted area, rather than relying on average rates.

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

More Rate Details

The chart below shows estimated Jeep Liberty insurance rates for other coverage scenarios.

• The best discount rate is $577
• Using higher $1,000 deductibles will save approximately $70 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $938
• Using low deductibles for physical damage coverage will cost an additional $130 a year
• Drivers who are prone to accidents and violations could pay up to $2,016 or more
• The cost that insures a teen driver can cost as much as $3,848 or more

View Chart as Image

Auto insurance rates for a Jeep Liberty can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $3,800 a year. View Rates by Age

Where you live has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,340 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $200 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Find the Best Jeep Liberty Insurance

Saving money on Jeep Liberty insurance requires avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Compare prices once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the data that was covered in the above illustrations.

• Drivers can save approximately $100 per year simply by quoting online in advance
• Drivers who want higher liability limits will pay an extra $520 each year to increase from a minimum limit to the 250/500 level
• Teenagers are the costliest to insure, costing as high as $321 per month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,080 more annually 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.