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 costs around $140, collision costs $166, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,016. Teens cost the most to insure at $3,848 a year or more.

Average premium for full coverage: $938

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $577
• Choosing higher $1,000 deductibles can save about $70 annually
• The average rate for a good driver age 40 using $500 deductibles is $938
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,068
• High-risk insureds with serious driving violations could pay at least $2,016 or more
• Policy cost for full coverage for a teen driver with full coverage can be $3,848 each year

View Chart as Image

Insurance rates for a Jeep Liberty also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $200 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,100 to $1,600 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

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 Cheaper Jeep Liberty Insurance

Finding cheaper rates on Jeep Liberty insurance takes being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $100 per year simply by shopping early and online
• High-risk drivers with multiple at-fault accidents pay an average of $1,080 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $200 each year
• Drivers age 16 to 20 are charged the highest rates, as much as $321 each month including comprehensive and collision 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.

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.