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.

U.S. average insurance prices for a Jeep Liberty are $938 every 12 months for full coverage insurance. Comprehensive costs around $140 a year, 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 around $2,016. Teens pay the highest rates at $3,848 a year or more.

Average premium for full coverage: $938

Price estimates for individual coverage:

These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $577
• Using higher $1,000 deductibles will save about $868 each year
• The average price for the average middle-age driver using $500 deductibles is $938
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,068
• Drivers with serious driving violations could pay at least $2,016 or more
• The price to insure a teen driver can be $3,848 or more

View Chart as Image

Car insurance prices for a Jeep Liberty are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $200 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Jeep Liberty insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,270 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so rate quotes may be quite different.

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 Shop for Cheap Jeep Liberty Insurance

Getting lower rates on Jeep Liberty insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the data covered above.

• Drivers who may need higher levels of liability will pay approximately $520 annually to increase from a low limit to a 250/500 level
• It is possible to save up to $100 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $200 each year
• Teenage drivers are the costliest to insure, as much as $321 a month if the policy includes full coverage

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.