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 for full coverage insurance. Comprehensive insurance costs an estimated $140, collision insurance costs $166, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,016 or more. 16-year-old drivers pay the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $577
• Drivers who choose higher $1,000 deductibles will pay approximately $70 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $938
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $130 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,016
• The price that insures a teen driver with full coverage can cost as much as $3,848 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

The state you live in makes a big difference in Jeep Liberty insurance prices. A 40-year-old driver could pay as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,270 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $200 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 More Affordable Jeep Liberty Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the coverage data presented in the illustrations above.

• It is possible to save approximately $100 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $200 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $321 a month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,080 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.