Jeep Liberty Insurance Rates

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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.

Estimated insurance rates for a Jeep Liberty are $964 a year including full coverage. Comprehensive insurance costs approximately $148, collision insurance costs $184, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,070 or more. Teens pay the most at up to $3,926 a year.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Comprehensive $148
Collision $184
Liability $474

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Liberty models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Jeep Liberty range from as low as $522 for just the minimum liability insurance to the much higher price of $2,070 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $964
High Risk $2,070

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

These rate differences highlight why everyone should compare prices using their specific location and risk profile, instead of 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.

Additional Rate Analysis

The chart below breaks down average Jeep Liberty insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $591
  • Using higher $1,000 deductibles will save $76 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $964
  • Selecting pricier low deductibles for physical damage coverage will cost an extra $142 every year
  • Drivers with serious driving violations could pay around $2,070
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $3,926 or more

View Chart as Image

Jeep Liberty insurance cost comparison chart
Column chart showing Jeep Liberty insurance prices range from $591 to $3,926 for full coverage

Insurance prices for a Jeep Liberty also have a wide range based on your driving characteristics, the model of your Liberty, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on Jeep Liberty insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,380 on average in Louisiana, New York, and Michigan.

Jeep Liberty Insurance Rates by State
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%

View Chart as Image

Jeep Liberty insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 additional annually, depending on your age. Jeep Liberty insurance for high-risk drivers can be as much as 41% to 127% more than the average policy. View High Risk Driver Rates

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 $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.

Jeep Liberty Insurance Rates by Model Year
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 Find the Best Cheap Jeep Liberty Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, refrain from filing small claims, and consideration of higher deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the concepts that were touched on above.

  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,110 more per year to insure a Jeep Liberty
  • Drivers under the age of 20 are the costliest to insure, with the cost nearing $327 per month including comprehensive and collision insurance
  • You may be able to save around $110 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $225 each year
  • You may be able to save around $110 per year just 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.

Rates by Driver Age

Jeep Liberty Insurance 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

Jeep Liberty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,106
$250 $1,042
$500 $964
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Jeep Liberty Insurance Rates with Different Liability Limits
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

Jeep Liberty Insurance 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.

SR-22 Surcharge $128

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
Rate after discounts $591

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

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