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.

Estimated insurance rates for a Jeep Liberty are $964 a year with full coverage. Comprehensive costs an estimated $148 a year, collision costs $184, and liability insurance costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing around $2,070. Teens pay the most at $3,926 a year or more.

Average premium for full coverage: $964

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Liberty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $591
• Using higher $1,000 deductibles will save approximately $888 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $964
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,106
• Drivers with serious driving violations could pay up to $2,070 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,926 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 127% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so rate quotes will be substantially different from one company to the next.

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 Best Cheap Jeep Liberty Insurance

Finding better rates on Jeep Liberty insurance requires having a decent driving record, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $110 per year simply by quoting early and online
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,110 more annually than a driver with a clean driving record
• Increasing policy deductibles can save around $225 each year
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $327 per 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.