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.
Average insurance rates for a Jeep Liberty are $964 a year including full coverage. Comprehensive costs on average $148, collision insurance costs $184, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,070. 16-year-old drivers receive the highest rates at up to $3,926 a year.
Average premium for full coverage: $964
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Liberty models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $522 for just the minimum liability insurance to the much higher price of $2,070 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects car insurance rates.
These examples highlight why everyone should get quotes based on a specific location, instead of making a decision based on 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 Analysis
The chart below breaks down average Jeep Liberty insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save around $76 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $964
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,106
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,070
- The cost that insures a 16-year-old driver for full coverage may cost $3,926 each year
Insurance rates for a Jeep Liberty can also vary considerably based on the model of your Liberty, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Jeep Liberty insurance for high-risk drivers ranges from 41% to 127% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Liberty insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,380 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $220 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Jeep Liberty Insurance
Saving money on insurance for a Jeep Liberty takes not taking risks behind the wheel, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick review of the data touched on in the above illustrations.
- Insureds who require higher liability limits will pay around $520 per year to raise limits from a minimum limit to the 250/500 level
- You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $225 each year
- Teens pay the highest rates, as much as $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.
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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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