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.

The average insurance prices for a Jeep Liberty are $964 every 12 months for full coverage insurance. Comprehensive insurance costs around $148, collision insurance costs $184, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,070 or more. Teens cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $964

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Liberty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below illustrates average Jeep Liberty insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $591
• Drivers who choose higher $1,000 deductibles will pay about $76 each year
• The average price for a good driver age 40 using $500 deductibles is $964
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $142 each year
• High-risk insureds with serious driving violations could pay at least $2,070
• Policy cost to insure a teenage driver with full coverage can be $3,926 a year

View Chart as Image

Car insurance rates for a Jeep Liberty also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $220 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 127% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Jeep Liberty insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Cheap Jeep Liberty Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the primary concepts that were touched on above.

• It is possible to save up to $110 per year just by shopping early and online
• Drivers with a DUI or reckless driving violation may pay on average $1,110 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $327 each month if the policy includes 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.