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 insurance rates for a Jeep Liberty are $938 a year including full coverage. Comprehensive costs on average $140, collision insurance costs $166, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,016. Teenage drivers pay the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Price estimates by individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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 different risk profiles and scenarios.

• The best discount rate is $577
• Raising to $1,000 deductibles will save around $70 every year
• The average rate for the average middle-age driver with $500 deductibles is $938
• Using more expensive low deductibles will increase the cost to $1,068
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,016
• The price for full coverage for a teen driver with full coverage may cost $3,848

View Chart as Image

Car insurance prices for a Jeep Liberty are also quite variable based on your driving record, the model of your Liberty, and policy deductibles and limits.

An older driver with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $3,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $200 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

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 Low Cost Jeep Liberty Insurance

Getting lower rates on Jeep Liberty insurance consists of not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the information touched on above.

• You may be able to save as much as $100 per year just by shopping early and online
• Teens are expensive to insure, possibly costing $321 a month if full coverage is included
• Increasing physical damage deductibles can save around $200 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,080 more each year for Liberty insurance
• Drivers who require higher liability limits will pay an extra $520 per year to raise from a low limit to 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.