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.

Estimated insurance prices for a Jeep Liberty are $994 every 12 months including full coverage. Comprehensive costs around $158 each year, collision insurance costs $200, and liability insurance costs $478. A liability-only policy costs as little as $526 a year, and high-risk insurance costs around $2,140. Teens pay the most at up to $4,032 a year.

Average premium for full coverage: $994

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Liberty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $606
• Drivers who choose higher $1,000 deductibles will pay about $82 every year
• The average price for a 40-year-old good driver using $500 deductibles is $994
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,150
• High risk drivers with serious driving violations could pay at least $2,140
• An auto insurance policy to insure a teen driver can be $4,032 a year

View Chart as Image

Auto insurance prices for a Jeep Liberty also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,420 on average in Michigan, New York, and Louisiana.

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 Shop for Cheap Jeep Liberty Insurance

Finding better rates on Jeep Liberty insurance not only requires having a decent driving record, but also having a good credit score, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the car insurance concepts touched on in this article.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,150 more every year than a driver with a clean driving record
• You may be able to save up to $110 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $250 each year
• Drivers who may need additional liability coverage will pay approximately $530 per year to go from 30/60 bodily injury limits to a 250/500 level

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.