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 approximately $140 each year, collision insurance costs $166, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,016. 16-year-old drivers pay the highest rates at up to $3,848 a year.

Average premium for full coverage: $938

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Liberty models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $577
• Using higher $1,000 deductibles will save $70 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $938
• Buying low deductibles for physical damage coverage bumps up the cost to $1,068
• Higher-risk drivers with multiple tickets or accidents could pay around $2,016
• The price that insures a teenage driver can cost $3,848 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $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 at least $1,340 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $200 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each 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 Right Jeep Liberty Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The items below are a quick rundown of the material that was raised in the charts and tables above.

• Consumers who purchase more liability coverage will pay around $520 each year to increase from a low limit to the 250/500 level
• Teen drivers are the costliest to insure, with premiums as much as $321 a month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,080 more per year to insure their Liberty
• Increasing physical damage deductibles can save approximately $200 each year

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.