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.

The average auto insurance rates for a Jeep Liberty are $938 annually for full coverage insurance. Comprehensive costs on average $140, collision insurance costs $166, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,016. Teenage drivers cost the most to insure at up to $3,848 a year.

Average premium for full coverage: $938

Policy rates by type of insurance:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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 average Jeep Liberty insurance rates for different risk profiles and scenarios.

• The best discount rate is $577
• Choosing higher $1,000 deductibles can save around $70 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $938
• Using more expensive low deductibles for comp and collision coverage will cost $1,068
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,016
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $3,848 each year

View Chart as Image

Auto insurance rates for a Jeep Liberty also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance ranges from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $200 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Liberty insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,270 on average in Michigan, New York, and Florida.

View Chart as Image

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

Finding cheaper rates on insurance for a Jeep Liberty takes not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the ideas that were covered in the charts and tables above.

• Teens are charged the highest rates, possibly costing $321 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,080 more each year for Liberty insurance
• Increasing comprehensive and collision deductibles could save up to $200 each year
• It is possible to save as much as $100 per year just by shopping early and online

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.