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.

Average insurance rates for a Jeep Liberty are $964 a year for full coverage insurance. Comprehensive costs approximately $148 each year, collision insurance costs $184, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs around $2,070. 16-year-old drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Liberty models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location and risk profile, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $591
• Drivers who choose higher $1,000 deductibles will pay $76 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $964
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,106
• Higher-risk drivers with multiple tickets or accidents could pay around $2,070
• The cost for full coverage for a teen driver can cost $3,926 a year

View Chart as Image

Insurance rates for a Jeep Liberty can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $220 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 127% more than the average rate. View High Risk Driver Rates

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 Find Affordable Jeep Liberty Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save around $110 per year just by quoting online in advance
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,110 more per year for auto insurance
• Increasing deductibles can save around $225 each year
• Teenage drivers are the costliest to insure, costing up to $327 per month including comprehensive and collision 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.

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.