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.

Estimated insurance rates for a Jeep Liberty are $938 a year including full coverage. Comprehensive insurance costs on average $140 each year, collision costs $166, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,016 or more. Teens pay the most at $3,848 a year or more.

Average premium for full coverage: $938

Premium estimates by type of coverage:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Liberty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why all drivers should compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $577
• Using higher $1,000 deductibles will save around $70 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $938
• Selecting low deductibles for physical damage coverage will cost an additional $130 annually
• High-risk insureds with serious driving violations could pay upwards of $2,016 or more
• An auto insurance policy that insures a 16-year-old driver may cost $3,848 or more

View Chart as Image

Auto insurance prices for a Jeep Liberty also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $200 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially 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 Affordable Jeep Liberty Insurance

Finding better rates on insurance for a Jeep Liberty requires not taking risks behind the wheel, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare rates every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief review of the coverage data covered in the above illustrations.

• You may be able to save as much as $100 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $200 each year
• Teens are charged the highest prices, with the cost nearing $321 per month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,080 more each year for Liberty insurance

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.