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 auto insurance rates for a Jeep Liberty are $964 annually with full coverage. Comprehensive insurance costs approximately $148 a year, collision costs $184, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,070 or more. 16-year-old drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have fewer collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Rates by State, City, and Model

The chart below details estimated Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $591
• Raising to $1,000 deductibles will save $888 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $964
• Buying low $100 deductibles costs an additional $142 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,070 or more
• The price with full coverage for a teen driver can cost $3,926

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 127% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $220 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.

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 the Best Jeep Liberty Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the data illustrated above.

• Policyholders who purchase higher liability limits will pay around $520 every year to raise from a low limit to higher 250/500 limits
• You may be able to save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $225 each year
• Teenagers have the highest car insurance prices, costing up to $327 a month if full coverage is included

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.