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 for full coverage insurance. Comprehensive insurance costs an estimated $140, collision costs $166, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,016 or more. Teenage drivers receive the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Rate estimates broken down by individual coverage type:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Liberty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $577
• Raising to $1,000 deductibles will save approximately $70 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $938
• Using more expensive low deductibles will cost an extra $130 annually
• Drivers who are prone to accidents and violations could pay up to $2,016 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $3,848

View Chart as Image

Car insurance rates for a Jeep Liberty can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

Where you live also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find rates as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,270 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $200 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 the Cheapest Jeep Liberty Insurance

Saving money on insurance for a Jeep Liberty consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a recap of the material that was covered in the charts and tables above.

• Insureds who want more liability coverage will pay an extra $520 annually to raise from a minimum limit to 250/500 limits
• Teen drivers have the highest car insurance rates, costing up to $321 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay on average $1,080 more annually to insure their Liberty
• Increasing deductibles can save around $200 each year

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.