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 $964 a year for full coverage. Comprehensive costs approximately $148, collision costs $184, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,070. Teen drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $591
• Drivers who choose higher $1,000 deductibles will pay $76 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $964
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,106
• High risk drivers with multiple violations and an at-fault accident could pay around $2,070 or more
• The price that insures a teen driver with full coverage can cost $3,926 a year

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on the model year and trim level, 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. High-risk driver insurance can cost anywhere from 41% to 127% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 per year on average 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 $3,900 a year. View Rates by Age

The state you live in makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $220 each year, while increasing your policy's 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every company uses a different rate calculation, and prices may be quite different.

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 Cheap Jeep Liberty Insurance

Getting lower rates on Jeep Liberty insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a brief summary of the concepts that were illustrated above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,110 more per year for auto insurance
• Teenage drivers are the costliest to insure, with premiums as much as $327 a month if comprehensive and collision insurance is included
• Drivers can save around $110 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers can save around $110 per year simply by shopping early and online

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.