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 including full coverage. Comprehensive insurance costs around $140, collision costs $166, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,016 or more. Teen drivers cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on price averages.

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

More Rate Information

The chart below breaks down estimated Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $577
• Using higher $1,000 deductibles will save about $70 every year
• The estimated price for a good driver age 40 using $500 deductibles is $938
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $130 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,016 or more
• Policy cost that insures a teen driver with full coverage can be $3,848 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 130% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $3,800 a year. View Rates by Age

Your home state has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $200 each year, while increasing your policy's liability limits will increase rates. Changing 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

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 Low Cost Jeep Liberty Insurance

Finding cheaper rates on Jeep Liberty insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a review of the material that was touched on in the above illustrations.

• Drivers who may need higher levels of liability will pay about $520 per year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, with premiums being up to $321 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,080 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $200 each year

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.