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 prices for a Jeep Liberty are $842 every 12 months with full coverage. Comprehensive costs on average $116, collision costs $126, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $1,804. 16-year-old drivers pay the highest rates at $3,510 a year or more.

Average premium for full coverage: $842

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Liberty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $526
• Drivers who choose higher $1,000 deductibles will pay around $56 annually
• The average price for the average middle-age driver with $500 deductibles is $842
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $944
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,804 or more
• The price to insure a teen driver with full coverage may cost $3,510 a year

View Chart as Image

Insurance prices for a Jeep Liberty are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Liberty.

Opting for high physical damage deductibles could save up to $160 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $800 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $3,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can cost as much as 40% to 132% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Jeep Liberty insurance prices. A 40-year-old driver could pay as low as $610 a year in states like New Hampshire, Ohio, and Utah, or at least $1,140 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Every company utilizes a different rate formula, so the prices may be quite different.

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 Shop for the Cheapest Jeep Liberty Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the data covered in the above illustrations.

• Policyholders who require increased liability limits will pay around $490 every year to go from a low limit to a 250/500 level
• You may be able to save as much as $90 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $150 each year
• Drivers under the age of 20 pay the highest prices, costing up to $293 a month if they have full coverage

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.