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 insurance. Comprehensive insurance costs an estimated $140, collision costs $166, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,016 or more. Teen drivers cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $577
• Raising to $1,000 deductibles will save approximately $70 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $938
• Choosing more expensive low deductibles costs an additional $130 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,016 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,848

View Chart as Image

Auto insurance rates for a Jeep Liberty also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $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 are probably paying $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $200 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find rates as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,270 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted 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 the Best Cheap Jeep Liberty Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the data raised in the charts and tables above.

• Policyholders who want higher liability limits will pay about $520 annually to raise from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Teenagers are the costliest to insure, possibly costing $321 each month if full coverage 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.