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 with full coverage. Comprehensive costs an estimated $148, collision insurance costs $184, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,070. 16-year-old drivers pay the most at up to $3,926 a year.
Average premium for full coverage: $964
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different Liberty trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Jeep Liberty range from the low end price of $522 for just the minimum liability insurance to a much higher rate of $2,070 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based 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 details average Jeep Liberty insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save approximately $76 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $964
- Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,106
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,070
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $3,926 each year
Insurance prices for a Jeep Liberty also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance ranges from 41% to 127% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Jeep Liberty insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $220 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
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 Find More Affordable Jeep Liberty Insurance
Finding better rates on insurance for a Jeep Liberty takes being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Comparison shop every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The items below are a summary of the ideas that were covered above.
- Teen drivers are expensive to insure, possibly costing $327 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,110 more annually to insure their Liberty
- Increasing policy deductibles can save approximately $225 each year
- You may be able to save approximately $110 per year just by shopping early and online
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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