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 $938 annually for full coverage. Comprehensive insurance costs around $140, collision costs $166, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,016 or more. 16-year-old drivers cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $577
• Drivers who choose higher $1,000 deductibles will pay about $70 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $938
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $130 a year
• High risk drivers with multiple tickets or accidents could pay at least $2,016 or more
• Policy cost with full coverage for a teen driver with full coverage can be $3,848 a year

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles could pay as little 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 can expect to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $200 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or at least $1,340 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates 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 Affordable Jeep Liberty Insurance

Finding cheaper rates on Jeep Liberty insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief review of the data covered in the charts and tables above.

• Drivers who may need more liability coverage will pay around $520 each year to go from a 30/60 limit to higher 250/500 limits
• Drivers can save up to $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Teen drivers pay higher rates, costing up to $321 each month including comprehensive and collision insurance

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.