Jeep Liberty Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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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 $964 every 12 months with full coverage. Comprehensive costs approximately $148, collision costs $184, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,070. 16-year-old drivers pay the highest rates at $3,926 a year or more.
Average premium for full coverage: $964
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Liberty trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Liberty insurance prices go from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,070 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details estimated 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 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $964
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,106
- Higher-risk drivers with multiple tickets or accidents could pay around $2,070 or more
- The price to insure a teen driver with full coverage can cost $3,926 a year
Auto insurance prices for a Jeep Liberty are also quite variable based on deductibles and policy limits, your driving record, and the model of your Liberty.
Opting for high physical damage deductibles could save up to $220 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 41% to 127% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Jeep Liberty insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$92 | -9.5% |
| Alaska | $738 | -$226 | -23.4% |
| Arizona | $798 | -$166 | -17.2% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $922 | -$42 | -4.4% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $888 | -$76 | -7.9% |
| Hawaii | $692 | -$272 | -28.2% |
| Idaho | $650 | -$314 | -32.6% |
| Illinois | $716 | -$248 | -25.7% |
| Indiana | $724 | -$240 | -24.9% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $916 | -$48 | -5.0% |
| Kentucky | $1,314 | $350 | 36.3% |
| Louisiana | $1,424 | $460 | 47.7% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $794 | -$170 | -17.6% |
| Massachusetts | $770 | -$194 | -20.1% |
| Michigan | $1,672 | $708 | 73.4% |
| Minnesota | $806 | -$158 | -16.4% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $854 | -$110 | -11.4% |
| Montana | $1,034 | $70 | 7.3% |
| Nebraska | $758 | -$206 | -21.4% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $692 | -$272 | -28.2% |
| New Jersey | $1,076 | $112 | 11.6% |
| New Mexico | $852 | -$112 | -11.6% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $664 | -$300 | -31.1% |
| Oklahoma | $990 | $26 | 2.7% |
| Oregon | $882 | -$82 | -8.5% |
| Pennsylvania | $918 | -$46 | -4.8% |
| Rhode Island | $1,284 | $320 | 33.2% |
| South Carolina | $872 | -$92 | -9.5% |
| South Dakota | $812 | -$152 | -15.8% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,160 | $196 | 20.3% |
| Utah | $714 | -$250 | -25.9% |
| Vermont | $662 | -$302 | -31.3% |
| Virginia | $576 | -$388 | -40.2% |
| Washington | $746 | -$218 | -22.6% |
| West Virginia | $882 | -$82 | -8.5% |
| Wisconsin | $666 | -$298 | -30.9% |
| Wyoming | $860 | -$104 | -10.8% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Liberty Sport 2WD | $942 | $79 |
| Jeep Liberty Limited 2WD | $964 | $80 |
| Jeep Liberty Renegade 4WD | $964 | $80 |
| Jeep Liberty Sport 4WD | $964 | $80 |
| Jeep Liberty Limited 4WD | $984 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Jeep Liberty | $158 | $200 | $478 | $994 |
| 2011 Jeep Liberty | $148 | $184 | $474 | $964 |
| 2010 Jeep Liberty | $140 | $166 | $474 | $938 |
| 2008 Jeep Liberty | $132 | $146 | $460 | $896 |
| 2007 Jeep Liberty | $130 | $140 | $452 | $880 |
| 2006 Jeep Liberty | $120 | $132 | $446 | $856 |
| 2005 Jeep Liberty | $116 | $126 | $442 | $842 |
Rates are averaged for all Jeep Liberty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Jeep Liberty Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a brief recap of the data that was raised in the charts and tables above.
- You may be able to save around $110 per year simply by shopping early and online
- Policyholders who purchase higher liability limits will pay around $520 every year to go from a low limit to a 250/500 level
- Teenagers have the highest car insurance prices, costing up to $327 a month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,110 more per year for car insurance
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,926 |
| 20 | $2,200 |
| 30 | $976 |
| 40 | $964 |
| 50 | $884 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,106 |
| $250 | $1,042 |
| $500 | $964 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,079 |
| 100/300 | $1,197 |
| 250/500 | $1,505 |
| 100 CSL | $1,126 |
| 300 CSL | $1,387 |
| 500 CSL | $1,577 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,522 |
| 20 | $3,510 |
| 30 | $2,084 |
| 40 | $2,070 |
| 50 | $1,980 |
| 60 | $1,960 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $33 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $373 |
Discounts are estimated and may not be available from every company or in every state.
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