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 prices for a Jeep Liberty are $856 every 12 months for full coverage insurance. Comprehensive insurance costs on average $120, collision insurance costs $132, and liability coverage is estimated at $446. A liability-only policy costs approximately $500 a year, and high-risk 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:
Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Liberty trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Jeep Liberty range from the cheapest price of $500 for just liability insurance to a much higher rate of $1,838 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than 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.
More Rate Details
The chart below illustrates average Jeep Liberty insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $533
- Choosing higher $1,000 deductibles can save around $58 each year
- The average price for a 40-year-old good driver with $500 deductibles is $856
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $108 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $1,838
- An auto insurance policy to insure a teenage driver with full coverage may cost $3,562 each year
Auto insurance prices for a Jeep Liberty also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Liberty.
Choosing high deductibles can save as much as $170 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $3,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,500 in extra premium annually, depending on your age. High-risk driver insurance ranges around 42% to 130% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,160 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $776 | -$80 | -9.3% |
| Alaska | $658 | -$198 | -23.1% |
| Arizona | $712 | -$144 | -16.8% |
| Arkansas | $856 | -$0 | 0.0% |
| California | $978 | $122 | 14.3% |
| Colorado | $818 | -$38 | -4.4% |
| Connecticut | $882 | $26 | 3.0% |
| Delaware | $972 | $116 | 13.6% |
| Florida | $1,074 | $218 | 25.5% |
| Georgia | $790 | -$66 | -7.7% |
| Hawaii | $616 | -$240 | -28.0% |
| Idaho | $580 | -$276 | -32.2% |
| Illinois | $638 | -$218 | -25.5% |
| Indiana | $644 | -$212 | -24.8% |
| Iowa | $578 | -$278 | -32.5% |
| Kansas | $816 | -$40 | -4.7% |
| Kentucky | $1,170 | $314 | 36.7% |
| Louisiana | $1,270 | $414 | 48.4% |
| Maine | $530 | -$326 | -38.1% |
| Maryland | $706 | -$150 | -17.5% |
| Massachusetts | $688 | -$168 | -19.6% |
| Michigan | $1,490 | $634 | 74.1% |
| Minnesota | $716 | -$140 | -16.4% |
| Mississippi | $1,028 | $172 | 20.1% |
| Missouri | $760 | -$96 | -11.2% |
| Montana | $920 | $64 | 7.5% |
| Nebraska | $676 | -$180 | -21.0% |
| Nevada | $1,028 | $172 | 20.1% |
| New Hampshire | $618 | -$238 | -27.8% |
| New Jersey | $960 | $104 | 12.1% |
| New Mexico | $760 | -$96 | -11.2% |
| New York | $904 | $48 | 5.6% |
| North Carolina | $494 | -$362 | -42.3% |
| North Dakota | $702 | -$154 | -18.0% |
| Ohio | $592 | -$264 | -30.8% |
| Oklahoma | $880 | $24 | 2.8% |
| Oregon | $786 | -$70 | -8.2% |
| Pennsylvania | $818 | -$38 | -4.4% |
| Rhode Island | $1,144 | $288 | 33.6% |
| South Carolina | $776 | -$80 | -9.3% |
| South Dakota | $722 | -$134 | -15.7% |
| Tennessee | $750 | -$106 | -12.4% |
| Texas | $1,034 | $178 | 20.8% |
| Utah | $634 | -$222 | -25.9% |
| Vermont | $588 | -$268 | -31.3% |
| Virginia | $514 | -$342 | -40.0% |
| Washington | $662 | -$194 | -22.7% |
| West Virginia | $786 | -$70 | -8.2% |
| Wisconsin | $594 | -$262 | -30.6% |
| Wyoming | $764 | -$92 | -10.7% |
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 Shop for the Right Jeep Liberty Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every year by getting quotes from direct insurance companies, and also from several local insurance agents.
The items below are a quick rundown of the coverage data touched on above.
- It is possible to save as much as $90 per year just by shopping early and online
- Increasing policy deductibles could save as much as $175 each year
- Teen drivers are charged the highest prices, with premiums being up to $297 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions pay on average $980 more each year to insure their Liberty
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
| Driver Age | Premium |
|---|---|
| 16 | $3,562 |
| 20 | $1,958 |
| 30 | $864 |
| 40 | $856 |
| 50 | $788 |
| 60 | $772 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $964 |
| $250 | $916 |
| $500 | $856 |
| $1,000 | $798 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $856 |
| 50/100 | $961 |
| 100/300 | $1,073 |
| 250/500 | $1,363 |
| 100 CSL | $1,006 |
| 300 CSL | $1,251 |
| 500 CSL | $1,430 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,986 |
| 20 | $3,116 |
| 30 | $1,840 |
| 40 | $1,838 |
| 50 | $1,758 |
| 60 | $1,740 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $42 |
| Multi-vehicle | $46 |
| Homeowner | $16 |
| 5-yr Accident Free | $48 |
| 5-yr Claim Free | $52 |
| Paid in Full/EFT | $28 |
| Advance Quote | $35 |
| Online Quote | $56 |
| Total Discounts | $323 |
Discounts are estimated and may not be available from every company or in every state.
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