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 auto insurance rates for a Jeep Liberty are $994 annually for full coverage insurance. Comprehensive costs on average $158 a year, collision costs $200, and liability costs around $478. A policy with only liability insurance costs as low as $526 a year, with a high-risk policy costing around $2,140. Teen drivers pay the most at $4,032 a year or more.
Average premium for full coverage: $994
Premium estimates by type of coverage:
Includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Liberty trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Jeep Liberty go from as cheap as $526 for a discount liability-only rate to a high of $2,140 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences illustrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on price 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.
Rates by State, City, and Model
The chart below illustrates estimated Jeep Liberty insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $606
- Using higher $1,000 deductibles will save around $912 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $994
- Choosing low $100 deductibles for physical damage coverage will cost $1,150
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,140 or more
- An auto insurance policy with full coverage for a 16-year-old driver may cost $4,032 or more
Car insurance prices for a Jeep Liberty also have a wide range based on the model of your Liberty, your risk profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $240 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
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 $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $902 | -$92 | -9.3% |
| Alaska | $764 | -$230 | -23.1% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $952 | -$42 | -4.2% |
| Connecticut | $1,024 | $30 | 3.0% |
| Delaware | $1,126 | $132 | 13.3% |
| Florida | $1,244 | $250 | 25.2% |
| Georgia | $918 | -$76 | -7.6% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $674 | -$320 | -32.2% |
| Illinois | $742 | -$252 | -25.4% |
| Indiana | $750 | -$244 | -24.5% |
| Iowa | $672 | -$322 | -32.4% |
| Kansas | $946 | -$48 | -4.8% |
| Kentucky | $1,358 | $364 | 36.6% |
| Louisiana | $1,472 | $478 | 48.1% |
| Maine | $614 | -$380 | -38.2% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $796 | -$198 | -19.9% |
| Michigan | $1,730 | $736 | 74.0% |
| Minnesota | $832 | -$162 | -16.3% |
| Mississippi | $1,192 | $198 | 19.9% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,070 | $76 | 7.6% |
| Nebraska | $786 | -$208 | -20.9% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,114 | $120 | 12.1% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,048 | $54 | 5.4% |
| North Carolina | $574 | -$420 | -42.3% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $688 | -$306 | -30.8% |
| Oklahoma | $1,022 | $28 | 2.8% |
| Oregon | $912 | -$82 | -8.2% |
| Pennsylvania | $952 | -$42 | -4.2% |
| Rhode Island | $1,328 | $334 | 33.6% |
| South Carolina | $902 | -$92 | -9.3% |
| South Dakota | $840 | -$154 | -15.5% |
| Tennessee | $872 | -$122 | -12.3% |
| Texas | $1,202 | $208 | 20.9% |
| Utah | $738 | -$256 | -25.8% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $596 | -$398 | -40.0% |
| Washington | $768 | -$226 | -22.7% |
| West Virginia | $912 | -$82 | -8.2% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $888 | -$106 | -10.7% |
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Liberty Sport 2WD | $972 | $81 |
| Jeep Liberty Limited 2WD | $994 | $83 |
| Jeep Liberty Renegade 4WD | $994 | $83 |
| Jeep Liberty Sport 4WD | $994 | $83 |
| Jeep Liberty Limited 4WD | $1,016 | $85 |
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 | $164 | $220 | $474 | $1,016 |
| 2011 Jeep Liberty | $158 | $200 | $478 | $994 |
| 2010 Jeep Liberty | $148 | $184 | $474 | $964 |
| 2008 Jeep Liberty | $134 | $150 | $468 | $910 |
| 2007 Jeep Liberty | $132 | $146 | $460 | $896 |
| 2006 Jeep Liberty | $130 | $140 | $452 | $880 |
| 2005 Jeep Liberty | $120 | $132 | $446 | $856 |
| 2004 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 Buy the Cheapest Jeep Liberty Insurance
Finding better rates on insurance for a Jeep Liberty requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct insurance companies, and also from local exclusive and independent agents.
The following is a recap of the data that was covered in the above illustrations.
- It is possible to save as much as $110 per year simply by quoting early and online
- Insureds who require higher liability limits will pay about $530 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- Teens are expensive to insure, with premiums being up to $336 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,150 more each year for Liberty 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.
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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 | $4,032 |
| 20 | $2,272 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $916 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,150 |
| $250 | $1,080 |
| $500 | $994 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,112 |
| 100/300 | $1,231 |
| 250/500 | $1,542 |
| 100 CSL | $1,159 |
| 300 CSL | $1,422 |
| 500 CSL | $1,614 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,674 |
| 20 | $3,624 |
| 30 | $2,154 |
| 40 | $2,140 |
| 50 | $2,048 |
| 60 | $2,026 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $388 |
Discounts are estimated and may not be available from every company or in every state.
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