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 with full coverage. Comprehensive costs approximately $140 each year, collision costs $166, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,016. Teens pay the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Liberty models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $577
• Using higher $1,000 deductibles will save $70 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $938
• Selecting low deductibles for physical damage coverage will cost $1,068
• Higher-risk drivers with serious driving violations could pay around $2,016 or more
• The price with full coverage for a teenage driver can cost $3,848 or more

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $200 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,270 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so the 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 the Best Cheap Jeep Liberty Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick review of the car insurance concepts illustrated above.

• Drivers with a DUI or reckless driving violation may pay on average $1,080 more per year to buy Jeep Liberty insurance
• You may be able to save around $100 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $200 each year
• Consumers who purchase increased levels of liability coverage will pay approximately $520 every year to increase from a low limit to higher 250/500 limits

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.