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 $856 annually including full coverage. Comprehensive costs on average $120 each year, collision insurance costs $132, and liability costs $446. Liability-only coverage costs as little as $500 a year, and high-risk coverage costs around $1,838. Teenage drivers cost the most to insure at up to $3,562 a year.

Average premium for full coverage: $856

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Liberty models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The examples above highlight why all drivers should compare rates 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.

Additional Rate Analysis

The chart below breaks down average Jeep Liberty insurance rates for different risk profiles and scenarios.

• The best discount rate is $533
• Drivers who choose higher $1,000 deductibles will pay around $58 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $856
• Using low deductibles for comprehensive and collision insurance will cost $964
• Drivers who are prone to accidents and violations could pay upwards of $1,838
• Policy cost with full coverage for a 16-year-old driver may cost $3,562 a year

View Chart as Image

Insurance rates for a Jeep Liberty also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $170 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Liberty insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,230 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Jeep Liberty Insurance

Finding cheaper rates on insurance for a Jeep Liberty not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the ideas that were illustrated above.

• Drivers age 16 to 20 pay higher rates, with premiums being up to $297 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $980 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $175 each year
• You may be able to save as much as $90 per year just by quoting online in advance

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.