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 insurance rates for a Jeep Liberty are $938 a year with full coverage. Comprehensive insurance costs on average $140 each year, collision insurance costs $166, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,016 or more. Teenage drivers cost the most to insure at up to $3,848 a year.

Average premium for full coverage: $938

Policy rates by type of insurance:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Liberty models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Jeep Liberty insurance rates for different risk profiles and scenarios.

• The best discount rate is $577
• Raising to $1,000 deductibles will save around $70 annually
• The estimated price for a good driver age 40 with $500 deductibles is $938
• Using low deductibles will cost an additional $130 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,016
• Policy cost that insures a teenage driver may cost $3,848

View Chart as Image

Auto insurance rates for a Jeep Liberty also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

Your home state also has a big influence on Jeep Liberty insurance rates. A middle-age driver might find rates as low as $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $200 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

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 Cheapest Jeep Liberty Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

Below is a recap of the information presented in the illustrations above.

• You may be able to save as much as $100 per year just by quoting online in advance
• Teenage drivers are charged the highest rates, as much as $321 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• Drivers that have major violations or accidents pay on average $1,080 more each year for auto insurance
• Consumers who require higher levels of liability will pay an extra $520 every year to raise from a 30/60 limit to the 250/500 level

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.