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 $994 a year with full coverage. Comprehensive costs on average $158, collision insurance costs $200, and liability costs around $478. Liability-only insurance costs as low as $526 a year, and high-risk driver insurance costs around $2,140. Teenage drivers pay the highest rates at up to $4,032 a year.

Average premium for full coverage: $994

Price estimates by individual coverage:

Includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Liberty models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why everyone should compare prices based on a specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $606
• Using higher $1,000 deductibles will save around $82 annually
• The estimated price for the average middle-age driver with $500 deductibles is $994
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,150
• Drivers who are prone to accidents and violations could pay upwards of $2,140
• The price that insures a teen driver for full coverage may cost $4,032 or more

View Chart as Image

Car insurance prices for a Jeep Liberty are also quite variable based on the model of your Liberty, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. Jeep Liberty insurance for high-risk drivers can be as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,350 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $240 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheapest Jeep Liberty Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a recap of the material that was touched on in this article.

• Policyholders who require increased liability limits will pay an extra $530 every year to increase from a low limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, costing up to $336 a month if full coverage is purchased
• Higher risk drivers that have major violations or accidents pay on average $1,150 more each year to insure a Jeep Liberty
• Increasing physical damage deductibles can save approximately $250 each year

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.