Jeep Liberty Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Jeep Liberty is less expensive to insure than the average SUV.
• Full coverage auto insurance for a Liberty tends to be around $144 a month, on average, while liability only insurance usually comes in at about $84.
• Safeway is the lowest insurance carrier for a Liberty.

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Liberty Overview

The Jeep Liberty is a great budget-friendly option for any driver, with base prices starting at just $23,395 for 2012 models. With three different trim levels currently available, there's a style for every driver.

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Jeep Liberty car insurance rates run around $126 per month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Jeep Liberty?

In the table above, you'll find that Jeep Liberty insurance prices are more affordable than average compared to other vehicles. On average, Liberty owners will pay about $144 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $84 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other models, the Liberty is slightly more affordable, with premiums around 6% lower than Jeep's other vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a Liberty runs close to average, with liability insurance prices coming in at $4 higher than other SUVs and full coverage insurance rates at $7 cheaper.

Compared to all vehicles of any body type, the Liberty is cheaper for full coverage, but liability only premiums are slightly more expensive.

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Who has the Cheapest Car Insurance for a Jeep Liberty?

Looking for an auto insurance policy for your Jeep Liberty? You may want to know which company offers the most affordable premiums. Although there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $17 a month from ACG. With car insurance sometimes as low as $38 per month, Ohio Mutual is the next most affordable insurance company.

Dashers, NationalGeneral, and AmericanAlliance round out the rest of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since car insurance companies look at a wide array of different things when calculating rates. By checking quotes from an array of insurance carriers at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Jeep Liberty?

There are quite a few factors that auto insurance companies examine to choose how much to charge you for a policy -- and every carrier weighs certain variables more than others, so there's not a singular company that's the most affordable for each Liberty owner.

The following sections show a range of variables car insurance carriers use to calculate rates:

Vehicle Age

Jeep has been making the Liberty for quite some time, so the car's age may make a difference in how much you'll pay for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Libertys continue to depreciate, insurance costs will gradually go down.

A new Jeep Liberty model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Jeep Libertys to insure are those that are 15 years old or more, while the cheapest models are Libertys that are 2 to 3 years old, on average.

Your Age

Age is another variable that plays a big role in how much you pay for car insurance. In the table above, you'll see that those who have more experience pay less for insurance compared to teenage drivers. Jeep Liberty drivers under 18 actually pay $43 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Liberty.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. The Jeep Liberty sticks to the norm, where women pay about $4 less than men monthly for auto insurance.

Where You Live

You might already know that things like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live matters just as much. Insurance is regulated at the state level, so rates can differ quite a bit depending on which state you call home.

For example, the average Jeep Liberty driver from New York pays around $167 a month for liability coverage, while the same Californian owner will pay less than 50% of that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Jeep Liberty Car Insurance Discounts

No matter what state you call home, what car you drive, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always important.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than in monthly installments
• Multi-car discounts for insuring more than one of your vehicles with the same company

These discounts are great, but sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but there is quite bit in your control. Below are just a few of the ones you can use to your advantage in order to save money on car insurance:

Your Driving Record

You've probably heard ads from insurance companies promoting large savings for good drivers. It checks out that if you get into a collision or get a ticket for speeding, auto insurance rates will get higher. But how much will they cost you?

You can tell from the table above that accidents will usually cost Liberty drivers more than tickets, but both will result in a raise in rates. Jeep Liberty drivers with one accident on their record pay about $104 every month (up $20 from the $84/mo. overall average), while drivers with a single ticket will pay an average of $93 per month. The rates only go up the more tickets you get or collisions you have.

How Much You Drive

The total amount of miles you drive each year affects your car insurance premiums. Those who drive less have fewer opportunities to get into an accident, so they'll normally end up paying less for insurance. Based on the table above, you can see that Jeep Liberty owners who drive 10,000 miles or more pay $86 for auto insurance, while those who drive fewer than 2,500 miles per year pay about $74 monthly.

But if you don't use your Jeep Liberty to travel or commute regularly, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Jeep Libertys Compare to Other Vehicles?

If you're considering making a Jeep Liberty your next purchase, you might be wondering how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Jeep Liberty compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Jeep Liberty is a great value when it comes to price. The Liberty starts at $23,395, which is much cheaper than the national average vehicle price of $37,225. A used Liberty will be even lower, since there hasn't been a new model on the market recently.

Full coverage insurance for a Jeep Liberty is about $15 a month cheaper than average, while liability only coverage is $8 higher per month.

When it comes to usage, Jeep Liberty drivers are near the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Liberty's 11,604 each year.

Jeep Liberty Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on what you'll pay for insurance. But if you're considering purchasing a new Liberty, knowing what you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2012 Jeep Liberty Car Insurance 2011 Jeep Liberty Car Insurance 2010 Jeep Liberty Car Insurance 2009 Jeep Liberty Car Insurance 2008 Jeep Liberty Car Insurance 2007 Jeep Liberty Car Insurance 2006 Jeep Liberty Car Insurance 2005 Jeep Liberty Car Insurance 2004 Jeep Liberty Car Insurance 2003 Jeep Liberty Car Insurance 2002 Jeep Liberty Car Insurance

2012 Jeep Liberty Car Insurance

You can expect full coverage for a 2012 Liberty to run around $154 a month, while liability only coverage will average about $89 monthly.

We found MetLife offered the most affordable policy, with rates as low as $16 per month.

If you want to know exactly how much you can expect to pay for your Liberty, just enter your ZIP code below and get several free quotes in minutes.

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2011 Jeep Liberty Car Insurance

The average cost to insure a 2011 Jeep Liberty with liability only coverage is $84 a month, while full coverage runs around $147 monthly.

With premiums as cheap as just $25 a month, MetLife offered the lowest policy we found.

Want to know exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance carriers.

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2010 Jeep Liberty Car Insurance

It costs about $82 per month for liability or $140 for a full coverage policy for the 2010 Liberty.

ACG offered the cheapest policy we found, with rates as low as just $17 a month.

If you want to know exactly how much you can expect to pay for your Liberty, just enter your ZIP code below and get free quotes in minutes.

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2009 Jeep Liberty Car Insurance

2009 Jeep Liberty drivers can expect to pay an average of $74 monthly for liability or $151 for full coverage.

With rates sometimes as cheap as $17 per month, Gainsco offered the most affordable policy we found for the 2009 Jeep Liberty.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2008 Jeep Liberty Car Insurance

On average, drivers who own a 2008 Liberty can expect to pay $87 to $145 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2008 Jeep Liberty insurance policy, MetLife offered the lowest policy we found, with rates as little as just $16 a month.

These average prices are a great starting point if you're in the market for a 2008 Jeep Liberty, but there are a whole range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2007 Jeep Liberty Car Insurance

It costs around $83 per month for liability or $136 for a full coverage policy for the 2007 Jeep Liberty.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as cheap as $20 a month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get several personalized quotes for free.

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2006 Jeep Liberty Car Insurance

You can expect full coverage for a 2006 Liberty to run about $137 per month, while liability only coverage will average around $80 monthly.

StateAuto has premiums sometimes as little as $20 a month for the 2006 Jeep Liberty.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2005 Jeep Liberty Car Insurance

On average, drivers who own a 2005 Jeep Liberty can expect to pay $82 to $141 monthly for liability only and full coverage insurance, respectively.

With rates as little as $18 per month, MetLife offered the most affordable policy we found for the 2005 Jeep Liberty.

While these are good estimates of what the average driver might pay to insure a 2005 Jeep Liberty, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2004 Jeep Liberty Car Insurance

2004 Liberty drivers can expect to pay an average of $86 monthly for liability or $139 for full coverage.

With rates sometimes as little as $17 a month, Mapfre offered the lowest policy we found.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2003 Jeep Liberty Car Insurance

The average cost to insure a 2003 Jeep Liberty with liability only coverage is $86 per month, while full coverage runs about $143 monthly.

Looking for the cheapest policy? Clearcover offered liability only coverage for as low as $17 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2002 Jeep Liberty Car Insurance

You can expect full coverage for a 2002 Liberty to run around $140 per month, while liability only coverage will average about $81 monthly.

Mapfre has premiums as cheap as just $16 a month for the 2002 Jeep Liberty.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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Jeep Liberty Insurance FAQs

Is a Jeep Liberty expensive to insure?

Liability insurance runs an average of $84 per month, while full coverage will cost you around $144. The Jeep Liberty is less expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Jeep Liberty?

There's only one way to ensure you're getting the most affordable rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from numerous companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Jeep Liberty affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are many variables car insurance carriers examine when they calculate your premiums, your car's color is not on that list.

Do I need to have insurance before I buy a Jeep Liberty?

Before you can legally drive your new (or new to you) Jeep Liberty off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you a car insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier before you buy.

What car insurance discounts can I get for my Jeep Liberty?

There are many discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your Liberty and more on you, but if your Liberty has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about their list of discounts.