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 rates for a Jeep Liberty are $938 a year for full coverage. Comprehensive costs an estimated $140 a year, collision insurance costs $166, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $2,016. Teen drivers pay the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above show why it is important to compare prices for a targeted area, rather than using price averages.

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

Additional Rate Information

The chart below shows average Jeep Liberty insurance rates for other coverage scenarios.

• The lowest rate with discounts is $577
• Using higher $1,000 deductibles will save approximately $868 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $938
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,068
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,016
• The price that insures a teenage driver can cost as much as $3,848 or more

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on the trim level of your Liberty, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

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 Iowa, Maine, and Idaho, or as much as $1,340 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $200 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 the Cheapest Jeep Liberty Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around every time your policy renews by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a recap of the information covered in the above illustrations.

• Drivers can save approximately $100 per year just by quoting early and online
• Teenagers are charged the highest prices, with premiums as much as $321 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $200 each year
• Drivers that have major violations or accidents may pay on average $1,080 more annually for car insurance
• Consumers who want higher liability limits will pay about $520 each year to increase from a low limit to the 250/500 level

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.