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 insurance rates for a Jeep Liberty are $938 a year for full coverage. Comprehensive insurance costs approximately $140, collision insurance costs $166, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,016 or more. Teens receive the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Liberty models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

These examples show why everyone should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows average Jeep Liberty insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $577
• Raising to $1,000 deductibles will save $70 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $938
• Selecting pricier low deductibles will cost an extra $130 every year
• At-risk drivers with serious driving violations could pay around $2,016
• The cost for full coverage for a teen driver for full coverage can cost $3,848

View Chart as Image

Insurance rates for a Jeep Liberty can also vary considerably based on your driver profile, the trim level of your Liberty, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you live also has a big influence on Jeep Liberty insurance prices. A middle-age driver might find rates as low as $620 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,340 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $200 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Jeep Liberty insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

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 Affordable Jeep Liberty Insurance

Saving money on car insurance consists of being safe and accident-free, maintaining good credit, eliminating unneeded coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief review of the information touched on in this article.

• Drivers can save around $100 per year just by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, costing as high as $321 per month for full coverage
• Increasing deductibles can save around $200 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,080 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay approximately $520 each year to raise from a minimum limit to 250/500 limits

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.