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 prices for a Jeep Liberty are $938 every 12 months for full coverage. Comprehensive insurance costs approximately $140 each year, collision costs $166, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $2,016 or more. 16-year-old drivers pay the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Liberty models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below shows estimated Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $577
• Using higher $1,000 deductibles will save $70 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $938
• Buying low deductibles for physical damage coverage costs an extra $130 a year
• Drivers with multiple tickets or accidents could pay around $2,016 or more
• The price to insure a teen driver can cost $3,848 or more

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Liberty.

Opting for high physical damage deductibles could cut prices by as much as $200 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Iowa, Maine, and Idaho, or at least $1,340 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 Shop for Low Cost Jeep Liberty Insurance

Getting lower rates on Jeep Liberty insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the data covered above.

• Drivers who purchase an increased level of liability coverage will pay around $520 each year to increase from a low limit to a 250/500 level
• Drivers can save around $100 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $200 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $321 a month if they have full coverage

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.