Jeep Liberty Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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 $842 a year with full coverage. Comprehensive costs approximately $116, collision insurance costs $126, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs around $1,804. Teen drivers pay the highest rates at up to $3,510 a year.

Average premium for full coverage: $842

Price estimates by individual coverage:

Comprehensive $116
Collision $126
Liability $442

Rates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Liberty models.

Price Range from Low to High

For a middle-aged driver, Jeep Liberty insurance prices range from as low as $496 for basic liability insurance to the much higher price of $1,804 for a high risk driver.

Liability Only $496
Full Coverage $842
High Risk $1,804

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The example below illustrates the effect of location on auto insurance prices.

Rural Areas $632
Small Cities $884
Large Cities $1,137

The ranges above demonstrate why everyone should compare prices using their specific location and risk profile, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The lowest rate with discounts is $526
  • Using higher $1,000 deductibles will save $56 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $842
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $944
  • Drivers with multiple violations and an at-fault accident could pay around $1,804
  • The price for full coverage for a teen driver for full coverage can cost $3,510 or more

View Chart as Image

Jeep Liberty insurance cost comparison chart
Column chart showing Jeep Liberty insurance rates range from $526 to $3,510 for full coverage

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

A more mature driver with a clean driving record and high deductibles may pay as little as $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,500 a year. View Rates by Age

The state you live in has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $610 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,140 on average in New York, Michigan, and Florida.

Jeep Liberty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $762 -$80 -9.5%
Alaska $646 -$196 -23.3%
Arizona $700 -$142 -16.9%
Arkansas $842 -$0 0.0%
California $960 $118 14.0%
Colorado $804 -$38 -4.5%
Connecticut $866 $24 2.9%
Delaware $952 $110 13.1%
Florida $1,054 $212 25.2%
Georgia $776 -$66 -7.8%
Hawaii $604 -$238 -28.3%
Idaho $570 -$272 -32.3%
Illinois $628 -$214 -25.4%
Indiana $632 -$210 -24.9%
Iowa $566 -$276 -32.8%
Kansas $802 -$40 -4.8%
Kentucky $1,150 $308 36.6%
Louisiana $1,246 $404 48.0%
Maine $520 -$322 -38.2%
Maryland $696 -$146 -17.3%
Massachusetts $674 -$168 -20.0%
Michigan $1,462 $620 73.6%
Minnesota $704 -$138 -16.4%
Mississippi $1,008 $166 19.7%
Missouri $746 -$96 -11.4%
Montana $906 $64 7.6%
Nebraska $664 -$178 -21.1%
Nevada $1,008 $166 19.7%
New Hampshire $606 -$236 -28.0%
New Jersey $940 $98 11.6%
New Mexico $746 -$96 -11.4%
New York $888 $46 5.5%
North Carolina $484 -$358 -42.5%
North Dakota $688 -$154 -18.3%
Ohio $582 -$260 -30.9%
Oklahoma $864 $22 2.6%
Oregon $772 -$70 -8.3%
Pennsylvania $804 -$38 -4.5%
Rhode Island $1,124 $282 33.5%
South Carolina $762 -$80 -9.5%
South Dakota $712 -$130 -15.4%
Tennessee $738 -$104 -12.4%
Texas $1,014 $172 20.4%
Utah $626 -$216 -25.7%
Vermont $576 -$266 -31.6%
Virginia $506 -$336 -39.9%
Washington $652 -$190 -22.6%
West Virginia $772 -$70 -8.3%
Wisconsin $582 -$260 -30.9%
Wyoming $750 -$92 -10.9%

View Chart as Image

Jeep Liberty insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $160 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra each year, depending on your age. Jeep Liberty insurance for high-risk drivers can be as much as 40% to 132% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Jeep Liberty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Liberty Sport 2WD $826 $69
Jeep Liberty Limited 2WD $842 $70
Jeep Liberty Renegade 4WD $842 $70
Jeep Liberty Sport 4WD $842 $70
Jeep Liberty Limited 4WD $854 $71

Rates assume 2004 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.

Jeep Liberty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Jeep Liberty $164 $220 $474 $1,016
2008 Jeep Liberty $134 $150 $468 $910
2007 Jeep Liberty $132 $146 $460 $896
2006 Jeep Liberty $130 $140 $452 $880
2005 Jeep Liberty $120 $132 $446 $856
2004 Jeep Liberty $116 $126 $442 $842

Rates are averaged for all Jeep Liberty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Jeep Liberty Insurance

Getting lower rates on car insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to shop around at least every two years by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a summary of the information that was covered in this article.

  • Increasing physical damage deductibles can save around $150 each year
  • You may be able to save around $90 per year just by quoting online well ahead of the renewal date
  • Policyholders who purchase more liability coverage will pay about $490 every year to increase from a low limit to 250/500 limits
  • Teen drivers are expensive to insure, costing up to $293 a month for full coverage
  • Higher risk drivers that have multiple accidents or serious violations pay on average $960 more per year to insure their Liberty

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.

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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.

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.

Rates by Driver Age

Jeep Liberty Insurance Rates by Driver Age
Driver Age Premium
16 $3,510
20 $1,924
30 $846
40 $842
50 $774
60 $758

Full coverage, $500 deductibles

Rates by Deductible

Jeep Liberty Insurance Rates with Different Deductibles
Deductible Premium
$100 $944
$250 $898
$500 $842
$1,000 $786

Full coverage, driver age 40

Rates by Liability Limit

Jeep Liberty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $842
50/100 $942
100/300 $1,053
250/500 $1,340
100 CSL $987
300 CSL $1,230
500 CSL $1,407

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Liberty Insurance Rates for High Risk Drivers
Age Premium
16 $4,908
20 $3,060
30 $1,806
40 $1,804
50 $1,726
60 $1,708

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $110

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $41
Multi-vehicle $45
Homeowner $16
5-yr Accident Free $46
5-yr Claim Free $51
Paid in Full/EFT $27
Advance Quote $35
Online Quote $55
Total Discounts $316
Rate after discounts $526

Discounts are estimated and may not be available from every company or in every state.

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