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 $964 annually including full coverage. Comprehensive costs an estimated $148 a year, collision costs $184, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,070. 16-year-old drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $591
• Drivers who choose higher $1,000 deductibles will pay approximately $888 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $964
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,106
• Drivers with multiple tickets or accidents could pay up to $2,070 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $3,926 a year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $3,900 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 $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 127% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 $740 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied between companies.

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 Cheapest Jeep Liberty Insurance

Finding cheaper rates on insurance for a Jeep Liberty not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $110 per year simply by quoting early and online
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,110 more annually to insure their Liberty
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $327 each month if comprehensive and collision insurance 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.