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.

Average auto insurance rates for a Jeep Liberty are $964 annually including full coverage. Comprehensive insurance costs around $148, collision insurance costs $184, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,070 or more. Teenage drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $964

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Liberty models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $591
• Raising to $1,000 deductibles will save about $76 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $964
• Using pricier low deductibles costs an additional $142 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,070
• The cost with full coverage for a teen driver for full coverage can be $3,926

View Chart as Image

Car insurance rates for a Jeep Liberty can also vary considerably based on the trim level of your Liberty, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. Jeep Liberty insurance for high-risk drivers is expensive and can cost anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jeep Liberty insurance rates. A middle-age driver might find rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy More Affordable Jeep Liberty Insurance

Saving money on Jeep Liberty insurance consists of being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a summary of the data covered in the above illustrations.

• Drivers who may need an increased level of liability coverage will pay an extra $520 per year to raise from a minimum limit to higher 250/500 limits
• You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $225 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $327 per month if comprehensive and collision insurance 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.

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.