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 including full coverage. Comprehensive insurance costs around $140, collision insurance costs $166, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,016 or more. Teens receive the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Rate estimates for individual coverage type:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Liberty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $577
• Raising to $1,000 deductibles will save about $70 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $938
• Selecting more expensive low deductibles will cost an additional $130 annually
• Drivers with serious driving violations could pay at least $2,016
• The cost that insures a 16-year-old driver with full coverage can be $3,848

View Chart as Image

Auto insurance rates for a Jeep Liberty can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $3,800 a year. View Rates by Age

Where you live also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $200 annually, while increasing your policy's liability limits will increase rates. Changing 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

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 Cheap Jeep Liberty Insurance

Saving money on insurance for a Jeep Liberty consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the material that was covered in the above illustrations.

• Insureds who may need higher levels of liability will pay approximately $520 per year to raise from a minimum limit to the 250/500 level
• Teenage drivers are expensive to insure, as much as $321 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,080 more every year for auto insurance
• Increasing deductibles can save approximately $200 each year

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.