Jeep Liberty Insurance Rates
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UPDATED: Jun 3, 2023
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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.
Estimated insurance rates for a Jeep Liberty are $856 a year for full coverage. Comprehensive insurance costs on average $120 each year, collision insurance costs $132, and liability costs around $446. Liability-only insurance costs as low as $500 a year, and high-risk driver insurance costs $1,838 or more. Teen drivers pay the most at up to $3,562 a year.
Average premium for full coverage: $856
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Liberty models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Jeep Liberty range from the low end price of $500 for just liability coverage to a high rate of $1,838 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Jeep Liberty insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $533
- Using higher $1,000 deductibles will save around $58 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $856
- Choosing low deductibles for physical damage coverage will cost an additional $108 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $1,838
- An auto insurance policy that insures a teen driver may cost $3,562 or more
Insurance prices for a Jeep Liberty also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,000 to $1,500 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 130% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,500 a year. View Rates by Age
Where you choose to live has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $570 a year in states like Idaho, Maine, and Iowa, or as much as $1,230 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could cut prices by as much as $170 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Jeep Liberty Sport 2WD||$842||$70|
|Jeep Liberty Limited 2WD||$856||$71|
|Jeep Liberty Renegade 4WD||$856||$71|
|Jeep Liberty Sport 4WD||$856||$71|
|Jeep Liberty Limited 4WD||$872||$73|
Rates assume 2004 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2012 Jeep Liberty||$176||$238||$474||$1,046|
|2008 Jeep Liberty||$140||$166||$474||$938|
|2007 Jeep Liberty||$134||$150||$468||$910|
|2006 Jeep Liberty||$132||$146||$460||$896|
|2005 Jeep Liberty||$130||$140||$452||$880|
|2004 Jeep Liberty||$120||$132||$446||$856|
|2003 Jeep Liberty||$116||$126||$442||$842|
Rates are averaged for all Jeep Liberty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Jeep Liberty Insurance
Finding better rates on car insurance requires having a decent driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Shop around every year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a summary of the coverage data presented in the illustrations above.
- Drivers can save as much as $90 per year just by quoting online in advance
- Increasing policy deductibles can save approximately $175 each year
- 16 to 18-year-old drivers pay higher prices, as much as $297 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $980 more each year than a driver with a clean driving record
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$48|
|5-yr Claim Free||$52|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.