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 auto insurance rates for a Jeep Liberty are $938 annually with full coverage. Comprehensive costs on average $140 a year, collision costs $166, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,016. Teenage drivers cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates by type of insurance:

Prices include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $577
• Using higher $1,000 deductibles will save around $868 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $938
• Using low $100 deductibles for physical damage coverage will cost $1,068
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,016 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,848 or more

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 policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $200 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see rates as low as $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied 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 the Right Jeep Liberty Insurance

Finding cheaper rates on insurance for a Jeep Liberty requires not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a quick rundown of the coverage data touched on in this article.

• You may be able to save as much as $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Teens pay higher rates, as much as $321 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,080 more each year for Liberty 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.