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 insurance rates for a Jeep Liberty are $964 a year for full coverage insurance. Comprehensive insurance costs an estimated $148 each year, collision costs $184, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $2,070 or more. Teens pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $964

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Liberty models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $591
• Using higher $1,000 deductibles will save approximately $76 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $964
• Selecting low deductibles for physical damage coverage will cost an additional $142 a year
• Drivers with serious driving violations could pay up to $2,070 or more
• The price that insures a teen driver can cost as much as $3,926 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

The state you live in has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite 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 the Best Cheap Jeep Liberty Insurance

Getting lower rates on Jeep Liberty insurance requires having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Compare rates at least once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following items are a quick review of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $110 per year simply by quoting online in advance
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,110 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $225 each year
• 16 to 18-year-old drivers are charged the highest prices, as much as $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.