Jeep Liberty Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

The average insurance rates for a Jeep Liberty are $994 a year for full coverage. Comprehensive insurance costs around $158, collision costs $200, and liability coverage is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,140 or more. Teens cost the most to insure at $4,032 a year or more.

Average premium for full coverage: $994

Policy rates for type of insurance:

Comprehensive $158
Collision $200
Liability $478

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Liberty models.

Price Range Variability

For an average driver, Jeep Liberty insurance rates go from as low as $526 for basic liability insurance to the much higher price of $2,140 for a driver required to buy high-risk insurance.

Liability Only $526
Full Coverage $994
High Risk $2,140

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

The examples above show why everyone should get quotes for a specific zip code and risk profile, rather than using averaged prices.

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.

Rate Comparisons

The chart below shows estimated Jeep Liberty insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $606
  • Choosing higher $1,000 deductibles can save about $82 a year
  • The average rate for a good driver age 40 using $500 deductibles is $994
  • Selecting pricier low deductibles for comp and collision coverage will cost an extra $156 each year
  • Drivers with serious driving violations could pay at least $2,140 or more
  • Policy cost for full coverage for a teenage driver for full coverage can be $4,032 each year

View Chart as Image

Jeep Liberty insurance cost comparison chart
Column chart showing full coverage Jeep Liberty insurance prices range from $606 to $4,032

Car insurance rates for a Jeep Liberty also range considerably based on your risk profile, the trim level of your Liberty, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,420 on average in Michigan, Louisiana, and New York.

Jeep Liberty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $902 -$92 -9.3%
Alaska $764 -$230 -23.1%
Arizona $826 -$168 -16.9%
Arkansas $994 -$0 0.0%
California $1,132 $138 13.9%
Colorado $952 -$42 -4.2%
Connecticut $1,024 $30 3.0%
Delaware $1,126 $132 13.3%
Florida $1,244 $250 25.2%
Georgia $918 -$76 -7.6%
Hawaii $714 -$280 -28.2%
Idaho $674 -$320 -32.2%
Illinois $742 -$252 -25.4%
Indiana $750 -$244 -24.5%
Iowa $672 -$322 -32.4%
Kansas $946 -$48 -4.8%
Kentucky $1,358 $364 36.6%
Louisiana $1,472 $478 48.1%
Maine $614 -$380 -38.2%
Maryland $820 -$174 -17.5%
Massachusetts $796 -$198 -19.9%
Michigan $1,730 $736 74.0%
Minnesota $832 -$162 -16.3%
Mississippi $1,192 $198 19.9%
Missouri $882 -$112 -11.3%
Montana $1,070 $76 7.6%
Nebraska $786 -$208 -20.9%
Nevada $1,192 $198 19.9%
New Hampshire $716 -$278 -28.0%
New Jersey $1,114 $120 12.1%
New Mexico $880 -$114 -11.5%
New York $1,048 $54 5.4%
North Carolina $574 -$420 -42.3%
North Dakota $814 -$180 -18.1%
Ohio $688 -$306 -30.8%
Oklahoma $1,022 $28 2.8%
Oregon $912 -$82 -8.2%
Pennsylvania $952 -$42 -4.2%
Rhode Island $1,328 $334 33.6%
South Carolina $902 -$92 -9.3%
South Dakota $840 -$154 -15.5%
Tennessee $872 -$122 -12.3%
Texas $1,202 $208 20.9%
Utah $738 -$256 -25.8%
Vermont $680 -$314 -31.6%
Virginia $596 -$398 -40.0%
Washington $768 -$226 -22.7%
West Virginia $912 -$82 -8.2%
Wisconsin $688 -$306 -30.8%
Wyoming $888 -$106 -10.7%

View Chart as Image

Jeep Liberty insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. Jeep Liberty insurance for high-risk drivers ranges around 42% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Jeep Liberty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Liberty Sport 2WD $972 $81
Jeep Liberty Limited 2WD $994 $83
Jeep Liberty Renegade 4WD $994 $83
Jeep Liberty Sport 4WD $994 $83
Jeep Liberty Limited 4WD $1,016 $85

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.

Jeep Liberty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Jeep Liberty $164 $220 $474 $1,016
2011 Jeep Liberty $158 $200 $478 $994
2010 Jeep Liberty $148 $184 $474 $964
2008 Jeep Liberty $134 $150 $468 $910
2007 Jeep Liberty $132 $146 $460 $896
2006 Jeep Liberty $130 $140 $452 $880
2005 Jeep Liberty $120 $132 $446 $856
2004 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 the Best Jeep Liberty Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

  • Consumers who may need higher liability limits will pay approximately $530 each year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • Teens are the costliest to insure, costing up to $336 each month if full coverage 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Rates by Driver Age

Jeep Liberty Insurance Rates by Driver Age
Driver Age Premium
16 $4,032
20 $2,272
30 $1,010
40 $994
50 $916
60 $896

Full coverage, $500 deductibles

Rates by Deductible

Jeep Liberty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,150
$250 $1,080
$500 $994
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Jeep Liberty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,112
100/300 $1,231
250/500 $1,542
100 CSL $1,159
300 CSL $1,422
500 CSL $1,614

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Liberty Insurance Rates for High Risk Drivers
Age Premium
16 $5,674
20 $3,624
30 $2,154
40 $2,140
50 $2,048
60 $2,026

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.

SR-22 Surcharge $133

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $388
Rate after discounts $606

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles