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. Comprehensive costs an estimated $148 a year, collision insurance costs $184, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,070. Teenage drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $964

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Liberty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These examples show why it is important to get quotes for a targeted area, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Jeep Liberty insurance rates for other coverage scenarios.

• The best discount rate is $591
• Choosing higher $1,000 deductibles can save approximately $888 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $964
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,106
• Drivers who are prone to accidents and violations could pay up to $2,070
• The cost that insures a teenage driver can cost as much as $3,926 each year

View Chart as Image

Insurance rates for a Jeep Liberty can also vary considerably based on the trim level of your Liberty, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges around 41% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Jeep Liberty insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,380 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $220 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

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 the Best Jeep Liberty Insurance

Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the car insurance concepts illustrated above.

• Drivers who tend to receive serious violations may pay on average $1,110 more annually for auto insurance
• Drivers can save approximately $110 per year just by quoting early and online
• Increasing deductibles can save approximately $225 each year
• Consumers who want higher levels of liability will pay an extra $520 each year to raise limits from a minimum limit to the 250/500 level

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.