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.

Average insurance rates for a Jeep Liberty are $856 a year for full coverage. Comprehensive costs on average $120 a year, collision costs $132, and liability insurance costs $446. A liability-only policy costs as little as $500 a year, with high-risk insurance costing around $1,838. Teen drivers receive the highest rates at $3,562 a year or more.

Average premium for full coverage: $856

Rate estimates by individual coverage type:

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Liberty trim levels.

Price Range by Coverage and Risk

Price Range by Location

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

The diagram below illustrates the effect of location on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Insurance Rate Analysis

The chart below shows estimated Jeep Liberty insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $533
• Drivers who choose higher $1,000 deductibles will pay around $798 a year
• The average rate for a 40-year-old driver with $500 deductibles is $856
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $964
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,838 or more
• The cost for full coverage for a teen driver may cost $3,562 a year

View Chart as Image

for a Jeep Liberty can also vary considerably based on your driver profile, the trim level of your Liberty, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,500 a year. View Rates by Age

Where you live makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing high deductibles could save up to $170 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $402 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Jeep Liberty Insurance

Saving money on Jeep Liberty insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

• Increasing deductibles can save around $175 each year
• Drivers can save as much as $90 per year simply by quoting early and online
• Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
• Young drivers pay the highest rates, costing as high as $297 per month for full coverage
• High-risk drivers that have multiple accidents or serious violations will pay on average $980 more each year for insurance

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.