Jeep Liberty Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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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.
Average insurance prices for a Jeep Liberty are $964 every 12 months for full coverage. Comprehensive costs approximately $148, collision costs $184, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,070. 16-year-old drivers receive the highest rates at $3,926 a year or more.
Average premium for full coverage: $964
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Liberty models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $522 for just the minimum liability insurance to the much higher price of $2,070 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The example below illustrates how your location can change auto insurance prices.
These examples show why everyone should get quotes using their specific location and their own driving history, rather than relying on rate 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.
Additional Rate Analysis
The chart below shows estimated Jeep Liberty insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save $76 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $964
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,106
- High-risk insureds with multiple tickets or accidents could pay around $2,070 or more
- The cost to insure a teen driver for full coverage can cost $3,926 each year
Car insurance rates for a Jeep Liberty can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Liberty.
Opting for high physical damage deductibles can save as much as $220 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Jeep Liberty insurance for high-risk drivers ranges anywhere from 41% to 127% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,380 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$92 | -9.5% |
| Alaska | $738 | -$226 | -23.4% |
| Arizona | $798 | -$166 | -17.2% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $922 | -$42 | -4.4% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $888 | -$76 | -7.9% |
| Hawaii | $692 | -$272 | -28.2% |
| Idaho | $650 | -$314 | -32.6% |
| Illinois | $716 | -$248 | -25.7% |
| Indiana | $724 | -$240 | -24.9% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $916 | -$48 | -5.0% |
| Kentucky | $1,314 | $350 | 36.3% |
| Louisiana | $1,424 | $460 | 47.7% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $794 | -$170 | -17.6% |
| Massachusetts | $770 | -$194 | -20.1% |
| Michigan | $1,672 | $708 | 73.4% |
| Minnesota | $806 | -$158 | -16.4% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $854 | -$110 | -11.4% |
| Montana | $1,034 | $70 | 7.3% |
| Nebraska | $758 | -$206 | -21.4% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $692 | -$272 | -28.2% |
| New Jersey | $1,076 | $112 | 11.6% |
| New Mexico | $852 | -$112 | -11.6% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $664 | -$300 | -31.1% |
| Oklahoma | $990 | $26 | 2.7% |
| Oregon | $882 | -$82 | -8.5% |
| Pennsylvania | $918 | -$46 | -4.8% |
| Rhode Island | $1,284 | $320 | 33.2% |
| South Carolina | $872 | -$92 | -9.5% |
| South Dakota | $812 | -$152 | -15.8% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,160 | $196 | 20.3% |
| Utah | $714 | -$250 | -25.9% |
| Vermont | $662 | -$302 | -31.3% |
| Virginia | $576 | -$388 | -40.2% |
| Washington | $746 | -$218 | -22.6% |
| West Virginia | $882 | -$82 | -8.5% |
| Wisconsin | $666 | -$298 | -30.9% |
| Wyoming | $860 | -$104 | -10.8% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Liberty Sport 2WD | $942 | $79 |
| Jeep Liberty Limited 2WD | $964 | $80 |
| Jeep Liberty Renegade 4WD | $964 | $80 |
| Jeep Liberty Sport 4WD | $964 | $80 |
| Jeep Liberty Limited 4WD | $984 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Jeep Liberty | $158 | $200 | $478 | $994 |
| 2011 Jeep Liberty | $148 | $184 | $474 | $964 |
| 2010 Jeep Liberty | $140 | $166 | $474 | $938 |
| 2008 Jeep Liberty | $132 | $146 | $460 | $896 |
| 2007 Jeep Liberty | $130 | $140 | $452 | $880 |
| 2006 Jeep Liberty | $120 | $132 | $446 | $856 |
| 2005 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 Low Cost Jeep Liberty Insurance
Saving money on Jeep Liberty insurance takes being a safe and courteous driver, maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a review of the ideas that were illustrated above.
- Teenage drivers pay the highest auto insurance rates, costing as high as $327 per month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations may pay on average $1,110 more per year for auto insurance
- Increasing deductibles could save as much as $225 each year
- Drivers can save around $110 per year simply by quoting online well ahead of the renewal date
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 | $3,926 |
| 20 | $2,200 |
| 30 | $976 |
| 40 | $964 |
| 50 | $884 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,106 |
| $250 | $1,042 |
| $500 | $964 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,079 |
| 100/300 | $1,197 |
| 250/500 | $1,505 |
| 100 CSL | $1,126 |
| 300 CSL | $1,387 |
| 500 CSL | $1,577 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,522 |
| 20 | $3,510 |
| 30 | $2,084 |
| 40 | $2,070 |
| 50 | $1,980 |
| 60 | $1,960 |
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 | $48 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $33 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $373 |
Discounts are estimated and may not be available from every company or in every state.
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