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.

Estimated insurance prices for a Jeep Liberty are $938 every 12 months for full coverage. Comprehensive insurance costs an estimated $140 a year, collision costs $166, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,016 or more. Teenage drivers pay the most at $3,848 a year or more.

Average premium for full coverage: $938

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Liberty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

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

These rate differences show why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $577
• Drivers who choose higher $1,000 deductibles will pay approximately $868 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $938
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $130 annually
• Drivers who are prone to accidents and violations could pay up to $2,016 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $3,848 a year

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Car insurance prices for a Jeep Liberty also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $200 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 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

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 Shop for Cheaper Jeep Liberty Insurance

Finding better rates on insurance for a Jeep Liberty not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the information touched on in this article.

• Drivers can save approximately $100 per year simply by quoting early and online
• Teenagers have the highest car insurance prices, as much as $321 per month if the policy includes full coverage
• Increasing policy deductibles could save as much as $200 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,080 more annually for car insurance
• Insureds who want higher liability limits will pay an extra $520 each year to go from 30/60 bodily injury limits to a 250/500 level

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.