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 for full coverage insurance. Comprehensive costs approximately $148, collision insurance costs $184, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,070. 16-year-old drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Liberty models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities. The example below illustrates how your location can change auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Charts and Tables

The chart below illustrates average Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $591
• Drivers who choose higher $1,000 deductibles will pay $76 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $964
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,106
• High-risk insureds with multiple tickets or accidents could pay around $2,070
• Policy cost with full coverage for a teenage driver for full coverage can cost $3,926 a year

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $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 in the ballpark of $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 probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Jeep Liberty insurance for high-risk drivers can cost around 41% to 127% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 a year, whereas buying more liability protection will push rates upward. Switching 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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

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 More Affordable Jeep Liberty Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the concepts that were illustrated above.

• Drivers who have multiple accidents or major violations could be forced to pay on average $1,110 more per year to insure their Liberty
• Teen drivers are expensive to insure, possibly costing $327 each month including comprehensive and collision insurance
• It is possible to save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $225 each year
• It is possible to save around $110 per year just by quoting online well ahead of the renewal date

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.