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 costs around $140 each year, collision costs $166, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,016. 16-year-old drivers receive the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Rate estimates for individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Liberty models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $577
• Drivers who choose higher $1,000 deductibles will pay about $70 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $938
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,068
• High-risk insureds with multiple tickets or accidents could pay at least $2,016 or more
• The cost that insures a teenage driver can be $3,848 a year

View Chart as Image

Car insurance rates for a Jeep Liberty can also vary considerably based on the trim level and model year, 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 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $3,800 a year. View Rates by Age

Where you live makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $200 a year, whereas increasing 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 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so rate quotes can be significantly 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 Find the Right Jeep Liberty Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a quick rundown of the data touched on in this article.

• Consumers who may need more liability coverage will pay around $520 per year to go from a minimum limit to the 250/500 level
• You may be able to save up to $100 per year simply by quoting online in advance
• Increasing deductibles can save approximately $200 each year
• Teen drivers are the costliest to insure, as much as $321 per month if full coverage is purchased

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.