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 $964 annually for full coverage. Comprehensive insurance costs an estimated $148, collision insurance costs $184, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,070 or more. Teenage drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Liberty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

The examples above show why everyone should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $591
• Choosing higher $1,000 deductibles can save approximately $76 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $964
• Using pricier low deductibles for comp and collision coverage costs an additional $142 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,070
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $3,926 each year

View Chart as Image

Auto insurance rates for a Jeep Liberty also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,100 to $1,600 in extra premium every year, depending on your age. Jeep Liberty insurance for high-risk drivers ranges as much as 41% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $220 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Liberty insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,380 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Low Cost Jeep Liberty Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the data that was touched on in this article.

• Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date
• Policyholders who want an increased level of liability coverage will pay an extra $520 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, costing up to $327 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,110 more annually than a safer driver

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.