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 $964 a year including full coverage. Comprehensive insurance costs on average $148 each year, collision costs $184, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,070 or more. Teen drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Liberty models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and risk profile, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Jeep Liberty insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $591
• Choosing higher $1,000 deductibles can save around $76 every year
• The average rate for the average middle-age driver with $500 deductibles is $964
• Choosing low deductibles for comp and collision coverage will cost an extra $142 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,070 or more
• The price for full coverage for a teenage driver may cost $3,926 each year

View Chart as Image

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.

More mature drivers with a clean driving record and high deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $220 a year, whereas increasing 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 more per year. 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. Insurance for high-risk drivers ranges around 41% to 127% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so the prices may be quite different from one company to the next.

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 Cheap Jeep Liberty Insurance

Getting lower rates on auto insurance takes being safe and accident-free, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief summary of the ideas that were illustrated above.

• Youthful drivers pay the highest prices, possibly costing $327 a month for full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,110 more each year than a low-risk driver
• Increasing physical damage deductibles can save around $225 each year
• You may be able to save as much as $110 per year simply by quoting online in advance

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.