Jeep Liberty Insurance Rates

Is the Jeep Liberty expensive to insure? Car insurance rates for Jeep Liberty average $80/mo for full coverage. The Liberty, which replaced the Jeep Cherokee, was produced from 2002-2012, and older models have the cheapest Jeep Liberty car insurance costs by $80 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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UPDATED: Jul 22, 2020

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If you’re thinking of buying a Jeep Liberty, you’ll need to insure it right away. Are Jeep Libertys expensive to insure? What is the average car insurance cost for a Jeep Liberty? You’ve got questions, and we’ve got answers. This guide will give you all the information you need to know about Jeep insurance cost and everything else you might be wondering about the Jeep Liberty insurance rates.

Whether you are insuring a brand new vehicle or need to know the car insurance rates for a 2003 Jeep Liberty, we’ve got you covered. Car insurance rates for Jeep Liberty average $80/mo for full coverage.

Looking to get cheap Jeep Liberty insurance quotes right now?  Enter your ZIP code to compare Jeep auto insurance rates with our free tool. To find out more about the Jeep Liberty and how car insurance is calculated for it, keep reading.

How much does car insurance cost for a Jeep Liberty?

Is it expensive to insure a Jeep Wrangler?

If you are here, then you must be wondering, “How much will my car insurance be?” The cost of insurance for a Jeep Liberty depends on a lot of factors. One of those is the age of the vehicle. 2003 or 2002 Jeep Liberty insurance cost will be less than 2006 Jeep Liberty insurance, or the 2005 Jeep liberty insurance rates will be more expensive than the 2014 Jeep Liberty insurance rates for example. Both will be cheaper than the last model produced in 2012. However, car insurance rates for Jeep Liberty average $80/mo for full coverage.

The table below shows rates for the Jeep Liberty by model year.

Annual Average Jeep Liberty Car Insurance Rates by Year Model
Model YearComprehensiveCollisionLiabilityTotal Premium
2012 Jeep Liberty Insurance Rates$200$296$460$1,114
2011 Jeep Liberty Insurance Rates$188$272$460$1,078
2010 Jeep Liberty Insurance Rates$180$254$464$1,056
2009 Jeep Liberty Insurance Rates$176$238$474$1,046
2008 Jeep Liberty Insurance Rates$164$220$474$1,016
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A lot of other factors are involved in the rate as well. In the next sections, we will go over each of the major parts of a car insurance policy – liability, comprehensive, and collision, and look at average rates for each.

To see the rates for your particular situation, including the model year, where you live, and your driving history, a car insurance cost calculator will give you a good idea. Of course, rates vary by company, so comparing multiple quotes is the best way to find out what big-name companies like Geico, State Farm, and Progressive will each charge to insure a Jeep Liberty.

Let’s break down coverage and costs for the Jeep Liberty.

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Car Insurance Rates For Jeep Liberty by Coverage Type

If you’re thinking about getting Jeep Liberty, it will be essential to know how much the vehicle is worth. Knowing how much a vehicle is worth will prevent you from purchasing a vehicle that’s more than the fair market price.

Therefore, this section will be for informing policyholders and vehicle shoppers how much the latest Jeep Libertys are worth. After exploring the value of Jeep Liberty, we’ll discuss how the value of the vehicle can affect collision and comprehensive rates.

One of the ways we can determine the value of a motor vehicle is through the MSRP, such as those listed by Kelley Blue Book.

The MSRP stands for manufacturer’s suggested retail price and is the price an auto manufacturer highly recommends the car dealer charge the consumer for a motor vehicle.

For older model motor vehicles, the Kelley Blue Book (KBB) reports that the Fair Market Range reflects the range of prices that their organization estimates most people will pay for a specific vehicle. So how much is a Jeep Liberty? We can review that in the data provided below.

Kelley Blue Book MSRP Estimates of 2009-2012 Jeep Liberty
Jeep Liberty Model YearFair Market RangeFair Purchase PriceTypical Listing Price
2009 Jeep Liberty$5,709–$7,992$6,851$7,357
2010 Jeep Liberty$7,378–$10,129$8,754$9,124
2011 Jeep Liberty$7,509–$10,128$8,819$9,319
2012 Jeep Liberty$8,418–$11,617$9,793$10,278
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The Jeep Liberty is considerably less than what it used to cost back when the vehicle was first released. Why only go back four years, how much is a 2008 jeep liberty worth? It’s common to see older models for sale at used car lots, but the chances a potential customer will spot an older Jeep Liberty (let’s say one from 2002) is uncommon. Is the Jeep Liberty discontinued? The last produced model year was in 2012.

By now, most cars older than 10 years are questionable. However, vehicles within the last four years of the latest model may be more common to spot in a dealership. The Kelley Blue Book for a 2010 Jeep Liberty is higher than a 2009 Jeep Liberty, and insurance will be priced accordingly.

At the moment, the KBB shows the value of Jeep Liberty is from $5,700 to $11,600.

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Car Insurance Rates For Jeep Liberty: Collision Coverage

Believe it or nor, the value of a motor vehicle can determine car insurance. Car insurance companies have to consider what the vehicle is worth and how much the cost of repairs are should a driver be involved in an accident.

Collision coverage pays for property damage of a policyholder’s motor vehicle regardless of who is at fault.

What would a collision coverage quote look like for a Jeep Liberty? Examine the short table below. It shows the average quote for collision insurance for a Jeep Liberty from 2009 to 2012 model years.

2009-2012 Jeep Liberty Collision Car Insurance Coverage Rates
Model YearCollision Coverage Rates
2009 Jeep Liberty$238
2010 Jeep Liberty$254
2011 Jeep Liberty$272
2012 Jeep Liberty$296
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Collision coverage rates can be costly for the Jeep Liberty. This may be due to the lack of OEM parts or aftermarket parts for the Jeep Liberty. Since production had ended in 2012, some of the OEM parts could be scarce or require a motorist to order them. This would be particularly inconvenient for an auto repair shop, which will give a hefty estimate to a car insurer.

During the years the Jeep Liberty was popular, how was collision car insurance affected by midsize SUVs like the Jeep Liberty. Here’s a summarized portion of the IIHS insurance loss data. It focuses on collision coverage losses.

IIHS 2010-2012 Collision Insurance Losses for Midsize SUVs
Car Make and Model2010–2012 Collision Insurance Losses
Jeep Wrangler 4WD-41%
Nissan Xterra 4WD-41%
Nissan Xterra-37%
Nissan Pathfinder-35%
Toyota FJ Cruiser-34%
Jeep Liberty 4WD-30%
Honda Pilot-29%
Nissan Pathfinder 4WD-29%
Subaru B9 Tribeca 4WD-29%
Ford Edge-27%
Kia Sorento-26%
Nissan Murano-26%
Jeep Liberty-25%
Dodge Journey-24%
Toyota Highlander-24%
Dodge Journey 4WD-23%
Toyota FJ Cruiser 4WD-22%
Honda Pilot 4WD-21%
Ford Edge 4WD-20%
Toyota 4Runner-19%
Hyundai Santa Fe-18%
Hyundai Veracruz-18%
Hyundai Veracruz 4WD-18%
Jeep Grand Cherokee-18%
Jeep Grand Cherokee 4WD-17%
Kia Sorento 4WD-17%
Nissan Murano convertible 4WD-17%
Toyota 4Runner 4WD-17%
Nissan Murano 4WD-15%
Hyundai Santa Fe 4WD-14%
Chevrolet Equinox-13%
Chevrolet Equinox 4WD-13%
Mazda CX-7-13%
Toyota Highlander 4WD-13%
Honda Accord Crosstour-12%
Mazda CX-9-11%
Toyota Venza-10%
Ford Flex-7%
Honda Accord Crosstour 4WD-6%
GMC Terrain-5%
Ford Explorer-2%
Ford Explorer 4WD-1%
GMC Terrain 4WD-1%
Mazda CX-9 4WD3%
Toyota Venza 4WD3%
Ford Flex 4WD11%
Mazda CX-7 4WD12%
Toyota Highlander hybrid 4WD17%
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You can see how it compares to other vehicles such as the 2018 Jeep Grand Cherokee insurance cost to insurers. Car insurance companies that insured Jeep Liberty SUVs didn’t have many claims for the vehicle. Jeep Liberty’s frequency of claims was 55 percent less than average. The midsize SUV with the lowest claim frequency was Jeep Wrangler and Nissan Xterra.

Car Insurance Rates For Jeep Liberty: Comprehensive Coverage

What about comprehensive coverage? Comprehensive coverage differs from collision insurance. Any damage to a motor vehicle that doesn’t involve the driver colliding with another vehicle is considered comprehensive coverage.

Comprehensive coverage pays for accidents such as mechanical fire, flooding, storms, vandalism, and even vehicle theft.

Comprehensive coverage can also cover the cost of a damaged windshield. Since the likelihood of comprehensive damage occurring is lower, some quotes for comprehensive coverage are lower than liability and collision coverage. Let’s examine the average cost of comprehensive coverage.

2009-2012 Jeep Liberty Comprehensive Car Insurance Coverage Rates
Model YearComprehensive Coverage Rates
2009 Jeep Liberty$176
2010 Jeep Liberty$180
2011 Jeep Liberty$188
2012 Jeep Liberty$200
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Just as expected, comprehensive coverage is much cheaper. As the Jeep Liberty gets older in model years, the rates for comprehensive coverage get cheaper. This is due to the value of the vehicle.

Do car insurance companies have to worry about frequent claims from the Jeep Liberty? Let’s have another look at the IIHS data for comprehensive insurance losses.

IIHS 2010-2012 Comprehensive Insurance Losses for Midsize SUVs
Car Make and Model2010–2012 Comprehensive Insurance Losses
Nissan Xterra-36%
Jeep Liberty-31%
Jeep Liberty 4WD-27%
Hyundai Santa Fe-26%
Nissan Xterra 4WD-26%
Ford Edge-25%
Nissan Murano-25%
Toyota Highlander-23%
Nissan Pathfinder-22%
Honda Pilot-21%
Ford Edge 4WD-20%
Subaru B9 Tribeca 4WD-20%
Dodge Journey-19%
Jeep Wrangler 4WD-19%
Hyundai Veracruz-18%
Hyundai Santa Fe 4WD-15%
Jeep Grand Cherokee-15%
Nissan Pathfinder 4WD-14%
Mazda CX-7 4WD-13%
Hyundai Veracruz 4WD-12%
Chevrolet Equinox 4WD-10%
Kia Sorento-10%
Nissan Murano 4WD-10%
Toyota Venza-10%
Chevrolet Equinox-9%
Honda Accord Crosstour-9%
Honda Pilot 4WD-9%
Dodge Journey 4WD-7%
GMC Terrain-6%
Mazda CX-7-4%
Toyota 4Runner-4%
Toyota Highlander hybrid 4WD-4%
Mazda CX-9-3%
Nissan Murano convertible 4WD
Ford Explorer1%
GMC Terrain 4WD2%
Kia Sorento 4WD3%
Mazda CX-9 4WD3%
Toyota Highlander 4WD3%
Toyota Venza 4WD6%
Toyota 4Runner 4WD7%
Toyota FJ Cruiser8%
Ford Flex9%
Ford Explorer 4WD11%
Jeep Grand Cherokee 4WD13%
Honda Accord Crosstour 4WD20%
Toyota FJ Cruiser 4WD28%
Ford Flex 4WD30%
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Claims for the Jeep Liberty were substantially better than average for car insurance companies that insured Jeep Liberties under comprehensive coverage.

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What are the theft rates of Jeep Liberty?

On a national scale, the Jeep Liberty is an uncommon target for vehicle thieves. However, the 2003 Jeep Liberty was in the top 10 most stolen cars in the state of Wisconsin. But why not take a look at the national numbers? Listed below are the latest theft numbers for the Jeep Liberty.

Jeep Liberty Thefts by Year, 2002-2012
YearNumber of Jeep Liberty Thefts
2002429
2003331
2005178
2006266
2007209
200899
200936
201044
201165
2012124
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Jeep Liberty had the highest number of thefts in 2002, which is the same year it was released to motorists. The number of thefts would continue to decrease as the years approach 2012.

For the remainder of the section, we’ll discuss how theft rates can affect insurance.

How do theft rates of Jeep Liberty affect comprehensive car insurance rates?

If theft rates increase, car insurers will have the information they need to increase comprehensive coverage rates.

When a car insurance company issues an increase to comprehensive coverage rates, it’s usually because there has been an increase in comprehensive claims or a dramatic increase in thefts. Remember, comprehensive coverage pays for damage due to vehicle theft, so any influx in vehicle theft would affect comprehensive claims.

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How does the frequency of claims filed on Jeep Liberty affect car insurance rates?

The number of claims could ultimately affect car insurance rates. Car insurance companies earn most of their revenue through new policies being written each year. One of the ways an insurance company can lose money is through claims the company didn’t anticipate.

Several agencies, like the Insurance Information Institute (III) report the frequency of claims. They provide reports on which type of vehicle is likely to have a claim, the average amount of the claim, and the overall loss.

Because the Jeep Liberty is in the midsize SUV category within 2002 and 2013, it’s a good start to explore those losses in claims in this section.

We’ve provided a data table below that reflects the collision coverage insurance losses. It will show claim frequency, claim severity (the average loss payment per claim), and overall loss (average loss payment per insured vehicle).

Passenger Vehicle Collision Coverage Insurance Losses, 2016-2018 Model Years
Vehicle Class/Car TypeClaim frequencyClaim severityOverall loss
Pickups6.2$6,100$380
SUVs6.5$6,045$393
All passenger vehicles7.3$6,005$438
Passenger cars and minivans8.4$5,949$501
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The claim frequency is measured as a rate per 100 insured vehicle years. Therefore, the rate for which car insurance has a claim for SUVs is roughly seven vehicles per 100 insured vehicles. A vehicle year is equivalent to 365 days of insurance coverage for one vehicle.

To clarify, the data above is projected data of vehicles that are in 2016 to 2018 model years, so the Jeep Liberty won’t be among them. However, the III does provide archived data that shows the averages of each year the Jeep Liberty was in production. Here are the III results of car insurance losses from 2002 to 2013.

Private Passenger Auto Insurance Losses 2002-2013
YearCar Insurance Claim FrequencyCar Insurance Claim Severity
20025.48$2,728
20035.13$2,921
20044.85$3,080
20055.04$3,067
20064.87$3,194
20075.13$3,139
20085.34$3,004
20095.48$2,869
20105.69$2,778
20115.75$2,861
20125.57$2,950
20135.71$3,144
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These results show the general car insurance losses from 2002 to 2013. As you can see in the table, car insurance losses fluctuated but not at massive disparities.

Car insurance losses and frequency of claims remained steady, taking care not to dramatically increase over the years. This may be due to the fair market strategies car insurers want to keep to attract more customers and keep rates affordable.

Car insurers may use archived data to issue rates. Why?

Since vehicles such as the Jeep Liberty aren’t manufactured anymore, car insurance companies have to rely on information from when the vehicles were made and when the information about car insurance coverage losses are reported for a particular vehicle.

It’s much cheaper to insure them due to the value of the vehicles and the frequency of claims of the vehicle.

For example, the Insurance Institute for Highway Safety (IIHS) has archived data explaining the insurance losses by make and model. Since the Jeep Liberty stopped production around 2012, let’s review the latest insurance losses for the Jeep Liberty. In addition to insurance losses of the Jeep Liberty, we’ll be able to compare the vehicle to other vehicles of the same class and size.

IIHS Insurance Losses by Make and Model, 2010-2012 Midsize SUVs
VehicleCollision Insurance LossesProperty Damage Insurance LossesComprehensive Insurance LossesPersonal Injury Insurance LossesMedical Payment Insurance LossesBodily Injury Insurance Losses
Jeep Liberty-25%35%-31%6%19%18%
Jeep Liberty 4WD-30%26%-27%-7%-12%7%
Chevrolet Equinox-13%-14%-9%-10%-7%-13%
Chevrolet Equinox 4WD-13%-17%-10%-20%-16%-23%
Dodge Journey-24%7%-19%26%19%21%
Dodge Journey 4WD-23%-6%-7%7%-9%6%
Ford Edge-27%-6%-25%-13%-25%-6%
Ford Edge 4WD-20%-6%-20%-25%-23%-9%
Ford Explorer-2%-2%1%-23%-22%-21%
Ford Explorer 4WD-1%-10%11%-26%-46%-25%
Ford Flex-7%-7%9%-14%-12%9%
Ford Flex 4WD11%12%30%-23%-21%6%
GMC Terrain-5%-13%-6%-9%-11%-13%
GMC Terrain 4WD-1%-21%2%-16%-9%-13%
Honda Accord Crosstour-12%4%-9%9%3%12%
Honda Accord Crosstour 4WD-6%5%20%10%-7%7%
Honda Pilot-29%-4%-21%-28%-23%-17%
Honda Pilot 4WD-21%9%-9%-22%-32%-18%
Hyundai Santa Fe-18%4%-26%-4%-6%-2%
Hyundai Santa Fe 4WD-14%13%-15%-11%-6%-4%
Hyundai Veracruz-18%-17%-18%-28%-11%-28%
Hyundai Veracruz 4WD-18%-14%-12%4%--
Jeep Grand Cherokee-18%25%-15%-44%-30%8%
Jeep Grand Cherokee 4WD-17%12%13%-32%-39%-4%
Jeep Wrangler 4WD-41%48%-19%-36%-38%16%
Kia Sorento-26%-10%-10%4%13%-4%
Kia Sorento 4WD-17%-8%3%0%1%-3%
Mazda CX-7-13%5%-4%9%7%-8%
Mazda CX-7 4WD12%16%-13%-16%--
Mazda CX-9-11%0%-3%-33%-26%-16%
Mazda CX-9 4WD3%13%3%-31%-34%-13%
Nissan Murano-26%-10%-25%-9%-14%-10%
Nissan Murano 4WD-15%2%-10%-7%-18%-12%
Nissan Murano convertible 4WD-17%-----
Nissan Pathfinder-35%-10%-22%2%3%8%
Nissan Pathfinder 4WD-29%3%-14%-8%-25%-13%
Nissan Xterra-37%5%-36%-3%--7%
Nissan Xterra 4WD-41%-3%-26%-20%-38%-17%
Subaru B9 Tribeca 4WD-29%10%-20%---
Toyota 4Runner-19%-18%-4%-28%-32%-32%
Toyota 4Runner 4WD-17%-14%7%-27%-37%-36%
Toyota FJ Cruiser-34%7%8%---
Toyota FJ Cruiser 4WD-22%26%28%-46%-37%-7%
Toyota Highlander-24%-10%-23%-21%-21%-18%
Toyota Highlander 4WD-13%-2%3%-15%-27%-11%
Toyota Highlander hybrid 4WD17%34%-4%-40%-34%-2%
Toyota Venza-10%-9%-10%1%8%-6%
Toyota Venza 4WD3%-6%6%9%-17%-12%
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For your convenience, we’ve placed Jeep Liberty’s insurance losses at the very top of the table. According to the data, the Jeep Liberty claims were better than average with percent claims that were less than zero.

Collision claims for the Jeep Liberty were -25 percent. Comprehensive claims were -31 percent. This means the average claims for policyholders with a Jeep Liberty from 2010 to 2012 were 25 and 31 percent less likely to file a claim.

Collision and comprehensive coverage are part of general car insurance options. But what is the difference between collision and comprehensive car insurance? They are optional, but they are helpful in situations where you could be at fault. One of the most important coverages for drivers is liability car insurance.

Liability car insurance or liability coverage is the minimum requirement for insurance that all drivers must have to operate a motor vehicle.

Each liability coverage has a coverage level. What this means is car insurance companies offer higher limits for the factors that make up liability coverage. With higher coverage levels come more expensive rates. At the moment, let’s focus on what the likely rates will be for the Jeep Liberty.

Here’s a short table showing general quotes for the Jeep Liberty for the 2009 to 2012 models.

2009-2012 Jeep Liberty Liability Car Insurance Rates by Model Year
Model YearLiability Coverage Rates
2012 Jeep Liberty$460
2011 Jeep Liberty$460
2010 Jeep Liberty$464
2009 Jeep Liberty$474
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These rates are based on the average minimum rates of the U.S. Each quote will be different for each company a motorist chooses, so expect these quotes to be cheaper or more expensive. This data just shows you the general number a potential customer will be faced with for liability coverage.

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What is the size & class of Jeep Liberty?

To understand where the Jeep Liberty stands in size and class, we have to look at the specs of the vehicle. Here’s a summary of the specs for the Jeep Liberty.

Jeep Liberty Specifications Summary
Jeep Liberty SystemsSpecifications
EngineGas
Transmission4-Speed Automatic
Wheelbase104.2 in. (Gen. KJ)
106.1 in. (Gen. KK)
Dimensions2001–2004 – 174.2 in, L x 71.1 in. W x 73.2 in. H
2005–2007 – 174.7 in. L x 71.8 in. W x 69.8 in. H
2008–2 – 10: 176,9 in. L x 72.4 in. W x 74.9 in. H
2011–2013 – 176.1 in. L x 73.1 in. W x 71.3 in. H
Curb Weight3,508 lbs. (2001–2004)
4,312 lbs. (2005–2007)
3,985 lbs. (2008–2010)
4,780 lbs. (2011–2013)
Drive Type2-Wheel Drive
4-Wheel Drive
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Based on the specs, we can determine the size and class of the Jeep Liberty. IIHS has summarized the vehicle classification by a curb weight of a vehicle and the dimensions of the vehicle. Here is the data.

IIHS Guide to Car Size & Class
Curb weight70–80 sq. ft. Overall Length x Width81–90 sq. ft. Overall Length x Width91–100 sq. ft. Overall Length x Width101–110 sq. ft. Overall Length x Width>110 sq. ft. Overall Length x Width
2,001–2,500 lbsMiniSmallSmallSmallMidsize
2,501–3,000 lbsSmallSmallMidsizeMidsizeMidsize
3,001–3,500 lbsSmallMidsizeMidsizeLargeLarge
3,501–4,000 lbsSmallMidsizeLargeLargeVery large
>4,000 lbsMidsizeMidsizeLargeVery largeVery large
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The Jeep Liberty is over 3,500 pounds and extends over several feet in length, width, and height. From the information provided by IIHS, the Jeep Liberty is in the Midsize class, and due to the vehicle’s structure, it’s identified as an SUV. Here’s a list of other vehicles that are like the Jeep Liberty.

  • Chevrolet Equinox
  • Ford Explorer
  • GMC Terrain
  • Jeep Grand Cherokee
  • Nissan Pathfinder
  • Toyota Highlander

Both size and weight can affect the occupants inside a vehicle during a crash. The impact of a crash is directly linked to the injury. Larger-sized vehicles, such as SUVs, have longer frontal frames, which helps protect occupants during frontal crashes, and frontal crashes account for most of the vehicle injuries and fatalities.

As far as weight is concerned, large and heavier vehicles are likely to sustain less damage than smaller, lighter vehicles. Bigger vehicles receive less impact.

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How does the size of Jeep Liberty affect bodily injury liability car insurance rates?

Now that we know the size of the Jeep Liberty, we can identify how bodily injury liability affects car insurance coverage when insurers agree to policies with midsize SUVs. What is bodily injury liability?

Bodily injury liability is part of liability coverage that pays for a driver’s and other occupants’ injuries caused by a car accident.

Bodily injury liability is one of half of the liability insurance and comes with a coverage limit that can be increased when a policyholder wants or needs a higher coverage level.

Are car insurance claims affected by bodily injury coverage? Absolutely, but how much so? Let’s revisit the insurance losses from IIHS data, narrowing our attention to bodily injury. The data in this table will show car insurance losses in bodily injury by make and model of 2010–2012 vehicles.

IIHS Bodily Injury Insurance Losses, 2010-12 Midsize SUVs
Make and Model2010–2012 Bodily Injury Losses
Chevrolet Equinox-13%
Chevrolet Equinox 4WD-23%
Dodge Journey2!%
Dodge Journey 4WD6%
Ford Edge-6%
Ford Edge 4WD-9%
Ford Explorer-21%
Ford Explorer 4WD-25%
Ford Flex9%
Ford Flex 4WD6%
GMC Terrain-13%
GMC Terrain 4WD-13%
Honda Accord Crosstour12%
Honda Accord Crosstour 4WD7%
Honda Pilot-17%
Honda Pilot 4WD-18%
Hyundai Santa Fe-2%
Hyundai Santa Fe 4WD-4%
Hyundai Veracruz-28%
Hyundai Veracruz 4WD-
Jeep Grand Cherokee8%
Jeep Grand Cherokee 4WD-4%
Jeep Liberty18%
Jeep Liberty 4WD7%
Jeep Wrangler 4WD16%
Kia Sorento-4%
Kia Sorento 4WD-3%
Mazda CX-7-8%
Mazda CX-7 4WD-
Mazda CX-9-16%
Mazda CX-9 4WD-13%
Nissan Murano-1%
Nissan Murano 4WD-12%
Nissan Murano convertible 4WD-
Nissan Pathfinder8%
Nissan Pathfinder 4WD-13%
Nissan Xterra-7%
Nissan Xterra 4WD-17%
Subaru B9 Tribeca 4WD-
Toyota 4Runner-32%
Toyota 4Runner 4WD-36%
Toyota FJ Cruiser-
Toyota FJ Cruiser 4WD-7%
Toyota Highlander-18%
Toyota Highlander 4WD-11%
Toyota Highlander hybrid 4WD-2%
Toyota Venza-6%
Toyota Venza 4WD-12%
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Jeep Liberty claims from 2010 to 2012 were in the average range in terms of insurance loss. The standard, 2WD Jeep Liberty projected an 18 percent loss in bodily injury coverage while the Jeep Liberty 4WD projected only a 7 percent loss. This means car insurance companies sustained losses from bodily injury claims, but they were losses they projected at the start of the year.

A policyholder can’t enroll in bodily injury alone because car insurance companies bundle bodily injury liability with property damage liability.

But there is a way to determine the quote for bodily injury coverage by coverage level. Here’s how much monthly rates could be for bodily injury coverage. The example below is based on a female California resident driving a 2012 Jeep Liberty.

Average Monthly Jeep Liberty Bodily Injury Car Insurance Coverage Rates
Car Insurance Coverage LevelBodily Injury Liability LimitAverage Monthly Rates
Low15/30 Rule$219
Medium50/100 Rule$306
High500/500 Rule$407
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These quotes are based on what a female California resident would pay for car insurance. Usually, there would be a difference in rates due to gender, but California is one of the states that has outlawed car insurers from determining rates based on gender.

As you can see, coverage level rates get more expensive as the level gets higher.

The bodily injury limit is part of state coverage rules, which says bodily injury covers a certain amount of dollars for one person per accident and a certain amount of dollars for multiple people per accident.

In the case of the lowest bodily injury liability, that would be $15,000 for bodily injury of one person and $30,000 for bodily injury of multiple people per accident.

How does the size of Jeep Liberty affect property damage liability car insurance rates?

The other half of liability coverage is property damage. This part of liability insurance covers the cost of property damage to a no-fault driver. Generally, midsize SUVs are safer than some passenger cars, but how do the Jeep Liberty and other vehicles in its class fare in property damage coverage losses?

IIHS Property Damage Insurance Losses by Make and Model, 2010-2012 Midsize SUVs
Car Make and Model2010–2012 Property Damage Losses
GMC Terrain 4WD-21%
Toyota 4Runner-18%
Chevrolet Equinox 4WD-17%
Hyundai Veracruz-17%
Chevrolet Equinox-14%
Hyundai Veracruz 4WD-14%
Toyota 4Runner 4WD-14%
GMC Terrain-13%
Ford Explorer 4WD-10%
Kia Sorento-10%
Nissan Murano-10%
Nissan Pathfinder-10%
Toyota Highlander-10%
Toyota Venza-9%
Kia Sorento 4WD-8%
Ford Flex-7%
Dodge Journey 4WD-6%
Ford Edge-6%
Ford Edge 4WD-6%
Toyota Venza 4WD-6%
Honda Pilot-4%
Nissan Xterra 4WD-3%
Ford Explorer-2%
Toyota Highlander 4WD-2%
Mazda CX-90%
Nissan Murano 4WD2%
Nissan Pathfinder 4WD3%
Honda Accord Crosstour4%
Hyundai Santa Fe4%
Honda Accord Crosstour 4WD5%
Mazda CX-75%
Nissan Xterra5%
Dodge Journey7%
Toyota FJ Cruiser7%
Honda Pilot 4WD9%
Subaru B9 Tribeca 4WD10%
Ford Flex 4WD12%
Jeep Grand Cherokee 4WD12%
Hyundai Santa Fe 4WD13%
Mazda CX-9 4WD13%
Mazda CX-7 4WD16%
Jeep Grand Cherokee25%
Jeep Liberty 4WD26%
Toyota FJ Cruiser 4WD26%
Toyota Highlander hybrid 4WD34%
Jeep Liberty35%
Jeep Wrangler 4WD48%
Nissan Murano convertible 4WD-
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According to the IIHS, 2010–2012 Jeep Libertys had property damage losses of 35 percent, which is substantially worse than average losses in car insurance companies. The Jeep Liberty 4WD had a 26 percent property damage loss on average, which says the frequency of claims was worse than average, but not as bad as the standard Jeep Liberty.

The midsize SUV with the best outlook for property damage claims was the GMC Terrain 4WD, while the worst outlook was the Jeep Wrangler 4WD, with 48 percent more property damage claims than average.

Frequent claims will give car insurance reasons to increase rates for the next policy or whenever they enter a new business year.

Speaking of rates, here’s another set of quotes that describes the coverage level of property damage liability. Again, these rates are based on California coverage limit standards for a female 2012 Jeep Liberty driver.

Average Jeep Liberty Monthly Property Damage Liability Car Insurance Rates
Car Insurance Coverage LevelProperty Damage Liability LimitAverage Monthly Rates
Low$5,000 Limit$174
Medium$20,000 Limit$202
High$100,000 Limit$220
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Just like bodily injury quotes, property damage quotes increase as the coverage limit increases. In the long-term, policyholders may even save money if they get at least the medium coverage limit.

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Other Car Insurance Coverage Rates for Jeep Liberty

Sometimes a higher coverage level won’t pay for all of the medical bills and fees. Other available coverages are available for policyholders called additional liability coverages.

Additional liability coverages are optional in some states and required in others. On some occasions, additional liabilities are part of the liability car insurance policy.

Two of the most notable additional liabilities are personal injury protection (PIP) and medical payments (MedPay). In this section, we’ll explore how the Jeep Liberty’s safety ratings affect PIP and Med Pay rates. Only this time, we’ll use safety ratings provided by the National Highway Traffic Safety Association (NHTSA) and showing the claim frequency percentage from the IIHS.

How do safety ratings of Jeep Liberty affect Personal Injury Protection (PIP) car insurance rates?

Are Jeep Libertys safe? The NHTSA reported that the overall safety rating for the 2012 Jeep Liberty is three out of five stars. 2009 Jeep Liberty safety ratings and 2012 Jeep Liberty Sport safety ratings are a little different, so always check with your Jeep’s model year. The vehicle had two recalls, four investigations, and 339 complaints. One of the major concerns for car insurance companies in the claim frequency. We’ve seen the claim frequency for collision, comprehensive, bodily injury, and property damage.

PIP is additional liability coverage that pays for additional medical costs such as mental health screenings, child care, and lost wages.

What does the claim frequency look like for personal injury? Let’s examine that in the table below.

IIHS 2010-2012 Personal Injury Insurance Losses for Midsize SUVs
Car Make and Model2010–2012 Personal Injury Insurance Losses
Toyota FJ Cruiser 4WD-46%
Jeep Grand Cherokee-44%
Toyota Highlander hybrid 4WD-40%
Jeep Wrangler 4WD-36%
Mazda CX-9-33%
Jeep Grand Cherokee 4WD-32%
Mazda CX-9 4WD-31%
Honda Pilot-28%
Hyundai Veracruz-28%
Toyota 4Runner-28%
Toyota 4Runner 4WD-27%
Ford Explorer 4WD-26%
Ford Edge 4WD-25%
Ford Explorer-23%
Ford Flex 4WD-23%
Honda Pilot 4WD-22%
Toyota Highlander-21%
Chevrolet Equinox 4WD-20%
Nissan Xterra 4WD-20%
GMC Terrain 4WD-16%
Mazda CX-7 4WD-16%
Toyota Highlander 4WD-15%
Ford Flex-14%
Ford Edge-13%
Hyundai Santa Fe 4WD-11%
Chevrolet Equinox-10%
GMC Terrain-9%
Nissan Murano-9%
Nissan Pathfinder 4WD-8%
Jeep Liberty 4WD-7%
Nissan Murano 4WD-7%
Hyundai Santa Fe-4%
Nissan Xterra-3%
Kia Sorento 4WD0%
Toyota Venza1%
Nissan Pathfinder2%
Hyundai Veracruz 4WD4%
Kia Sorento4%
Jeep Liberty6%
Dodge Journey 4WD7%
Honda Accord Crosstour9%
Mazda CX-79%
Toyota Venza 4WD9%
Honda Accord Crosstour 4WD10%
Dodge Journey26%
Nissan Murano convertible 4WD-
Subaru B9 Tribeca 4WD-
Toyota FJ Cruiser-
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The claim frequency for car insurance companies when policyholders insured a Jeep Liberty was about negative one percent collectively. That means car insurers’ expectancy of insurance loss was spot on. It also means most claims didn’t involve PIP.

How do safety ratings of Jeep Liberty affect MedPay car insurance rates?

MedPay, on the other hand, is a car insurance coverage that pays for medical bills, fees, and even funeral costs. This additional liability will pay for injuries and bills regardless of who is at fault. Did car insurance companies have to handle a high frequency of MedPay claims for midsize SUVs?

Let’s review that answer in another table.

IIHS 2010-2012 Medical Payment Insurance Losses for Midsize SUVs
Car Make and Model2010–2012 Medical Payment Insurance Losses
Ford Explorer 4WD-46%
Jeep Grand Cherokee 4WD-39%
Jeep Wrangler 4WD-38%
Nissan Xterra 4WD-38%
Toyota 4Runner 4WD-37%
Toyota FJ Cruiser 4WD-37%
Mazda CX-9 4WD-34%
Toyota Highlander hybrid 4WD-34%
Honda Pilot 4WD-32%
Toyota 4Runner-32%
Jeep Grand Cherokee-30%
Toyota Highlander 4WD-27%
Mazda CX-9-26%
Ford Edge-25%
Nissan Pathfinder 4WD-25%
Ford Edge 4WD-23%
Honda Pilot-23%
Ford Explorer-22%
Ford Flex 4WD-21%
Toyota Highlander-21%
Nissan Murano 4WD-18%
Toyota Venza 4WD-17%
Chevrolet Equinox 4WD-16%
Nissan Murano-14%
Jeep Liberty 4WD-12%
Ford Flex-12%
GMC Terrain-11%
Hyundai Veracruz-11%
Dodge Journey 4WD-9%
GMC Terrain 4WD-9%
Chevrolet Equinox-7%
Honda Accord Crosstour 4WD-7%
Hyundai Santa Fe-6%
Hyundai Santa Fe 4WD-6%
Kia Sorento 4WD1%
Honda Accord Crosstour3%
Nissan Pathfinder3%
Mazda CX-77%
Toyota Venza8%
Kia Sorento13%
Jeep Liberty19%
Dodge Journey19%
Hyundai Veracruz 4WD-
Mazda CX-7 4WD-
Nissan Murano convertible 4WD-
Nissan Xterra-
Subaru B9 Tribeca 4WD-
Toyota FJ Cruiser-
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Once again, car insurance claims for the Jeep Liberty were average. When combined, the Jeep Liberty and Jeep Liberty 4WD, had a 5 percent claim frequency percentage. There was insurance loss, but it’s a loss that a car insurance company likely expected.

In summary, there are many factors used to determine the cost of car insurance for a Jeep Liberty. Some of those factors you can control, while others you can’t.

Shop around for the best rates you can find and then do your best to avoid accidents and violations. You’ll help keep your insurance costs low and your reputation with your insurance company high.

How much will it cost to repair my Jeep Liberty?

Repair costs for any vehicle can be expensive. Even if the vehicle is older than 10 years, repair costs involve parts and labor, so vehicle owners and policyholders should be prepared to shell out a few hundred dollars to get their vehicle to function.

For those that own, finance, or lease a Jeep Liberty, the average annual maintenance cost is $674. According to RepairPal, the average cost of maintenance for midsize SUVs is $573. For all other vehicles, the average cost of maintenance is $652.

If you’re in an accident, the car insurance will want you to collect at least three estimates that will pay for the damages. Normally, vehicles are repaired at auto body repair shops. Here’s a general cost of repairs for Level 2 damage to your vehicle.

Jeep Liberty Body Repair Estimate from Instant Estimator
Car Repair TypeFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter PanelFenderTrunk
Body Labor$128$128$80$80$132$120$80$80$80
Color Sand and Buff$20$20$20$20$20$20$20$20$20
Color Tint$20$20$20$20$20$20$20$20$20
Cover Car-$10$10$10$10$10$10$10$10
Hazard Waste Disposal$5$5$5$5$5$5$5$5$5
Paint Labor$160$160$168$224$136$136$152$144$0
Paint Supplies$96$96$101$134$82$82$91$86$0
Total$429$439$404$493$405$393$378$365$135
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Body repairs for the Jeep Liberty were roughly under $500.

How does the cost of repairs affect collision & comprehensive car insurance rates?

Car insurance companies will cover the costs for no-fault drivers, a policyholder under collision coverage, and policyholders under comprehensive coverage. Collision coverage will pay for any damage regardless of who is at fault. So, any repairs that need to be done as a result of a collision will be paid in full by the insurance provider.

The same goes for those with comprehensive coverage. If a policyholder’s vehicle happens to encounter an accident that doesn’t involve a collision, car insurance companies will compensate the policyholder to pay for property damage to an insured vehicle.

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What are the safety features of Jeep Liberty?

Safety is always a concern for the best car insurance companies because they may have to pay for bodily injury caused to the insured driver as well as his passengers and other parties involved in an accident.

Fortunately, since 2002, the Jeep Liberty has consistently scored five stars on both sides and frontal impact tests as rated by the Insurance Institute for Highway Safety and the National Highway Traffic Safety Institute. Such consistency is impressive for any vehicle, let alone an SUV.

Also, the Jeep Liberty comes with standard safety features like:

  • front impact airbags
  • overhead airbags
  • daytime running lights
  • four-wheel anti-lock brakes
  • side impact bars
  • seatbelt pre-tensioners

Anti-theft devices on Jeep Libertys include a security system, a panic alarm, and an ignition disabling system. The added safety and anti-theft features included with this vehicle help to keep insurance costs down.

What are the safety ratings of Jeep Liberty?

IIHS tests evaluate two aspects of safety: crashworthiness and crash avoidance and mitigation.

Crashworthiness is how well a vehicle protects its occupants in a crash, and crash avoidance and mitigation is a technology that can prevent a crash or decrease its impact severity.

Before we show you the IIHS ratings for the Jeep Liberty, let’s take a look at two videos that show crash tests for the Jeep Liberty. The first video shows the moderate-overlap crash of a 2008 Jeep Liberty. This video is relevant because the 2008 model is in the same generation as the latest Jeep Liberty model, which is the 2012 Jeep Liberty.

The second video shows the IIHS side crash test of a 2008 Jeep Liberty. The IIHS ran this test to show the durability of Jeep Liberty if it were in a side crash. These tests help determine safety ratings.

IIHS officials issue grades based on the results from the crash tests. To get an idea of how vehicles are judged in the ratings, let’s take a look at the grades from IIHS and what they mean. Here is how they identify grade:

  • “G” is a Good Rating (best rating)
  • “A” is an Acceptable Rating (second-best rating)
  • “M” is a Marginal Rating (fair rating)
  • “P” is a Poor Rating (worst rating)

Let’s review the crashworthiness of the 2012 Jeep Liberty in a summarized table that grades the moderate overlap front, side, roof strength, and head restraints and seats. The table below shows 2012 Jeep Liberty crash test ratings.

IIHS 2012 Jeep Liberty Crashworthiness Ratings
2012 Jeep Liberty CrashworthinessIIHS Safety Ratings
Moderate overlap frontG
Roof strengthG
Head restraints and seatsA
SideM
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The safety ratings for the Jeep Liberty, particularly the second generation (Gen. KK).

How does the safety of Jeep Liberty compare to other vehicles with the same size & class?

As mentioned in the previous sections, Jeep Liberty is considered a midsize SUV. SUVs with higher and lower weights and dimensions are considered small, large, and very large. We’ll use this subsection to compare midsize registered vehicles to all other registered SUVs.

To show how safe each SUV size is, we’re going to use IIHS data on fatalities among vehicle size and the death rate per million registered vehicles. Let’s start by comparing the SUV sizes.

SUV Driver Deaths per Million Registered Passenger Vehicles
SUV SizeRegistered VehiclesDeaths per Million Registered VehiclesRate per Million Registered Vehicles
Small7,818,47921227
Midsize9,372,45219521
Large2,228,8673717
Very large468,691613
All SUVs19,888,48945023
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Midsize SUVs had the most registered vehicles in 2018, but midsize SUVs had the second-highest deaths per million. However, the small SUVs had the highest number of deaths per million people.

When fatal crashes occur, what type of crash usually occurs more often? Here’s another data table that shows the crash type of SUVs and the number of occupants it affected in 2018.

2018 Point of Impact SUV Occupants by Crash Type
Point of Initial ImpactSUV OccupantsSUV Occupant Death Rate
Rear2866
Side93018
Frontal2,78455
Other (mostly rollover)1,03521
All5,035100
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The crash type is identified by the point of impact. The most point of impact crashes was frontal crashes with a total of 2,784 crashes. The death rate per million registered vehicles is 55. The least point of impact crashes was 286.

Finally, let’s look at the occupant deaths. We’ve separated it from drivers and passengers (occupants).

2008-2018 SUVs Occupant Deaths per Million Registered Passenger Vehicles 1-3 Years Old
YearDriver DeathsAll Occupant Deaths
20083552
20092536
20102029
20111724
20121623
20131926
20141824
20152029
20162132
20172233
20182332
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Occupants (passengers) were more likely to be affected in SUV related accidents. The year 2008 was the deadliest year for SUV drivers and occupants. The death rate for SUVs decreased from 2008 to 2012. By 2015, SUV death rates began to increase again.

The History of Jeep Liberty

The Jeep Liberty was first introduced to the American market as a replacement for the mid-sized Cherokee SUV in 2002. While it’s similar, Jeep Cherokee insurance cost will be very different from the Liberty.

Jeep built the Liberty on an innovative uni-body frame designed to improve ride and handling and make it more capable of off-road operation. The last year the Liberty was produced was 2012.

Within the 10 years of production of the Jeep Liberty, the vehicle featured two generations.

The first generation was known as Generation KJ, which was Jeep Liberty models from 2002 to 2007, while the second generation was called Generation KK and featured Jeep Liberty models from 2008 to 2012.

Different vehicles have different annual costs for car insurance. A number of factors affect car insurance rates, such as:

  • the replacement value of the vehicle
  • the number of miles driven
  • the risk an individual driver poses
  • the potential for theft

In the case of the Jeep Liberty, the average annual cost for the new 2WD V6 model was $1,200 in 2012. You might have paid slightly more for the 4WD model or either model with added extras.

Because you can no longer purchase a new one, the value of the vehicle has depreciated, so the cost to insure will be lower. While it was in production, over 700,000 vehicles were sold from 2005 to 2013.

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Frequently Asked Questions

To wrap up the Jeep Liberty guide, we’re going to list a few questions that we may have missed. If you think of a question that you need to be answered, use the search bar of our website and explore the different articles we have available.

#1 – Why was the Jeep Liberty discontinued?

There are a number of reasons why the Jeep Liberty was discontinued, but the main reason was a drop in sales. The Liberty did not sell as well as the Cherokee it was created to replace and didn’t develop a strong reputation.

#2 – How can I receive a discount on car insurance for my Jeep Liberty?

When you go through the quote process, car insurance agents and online queries will ask you a series of questions. You may have to submit some personal information, but your answers will determine your eligibility for a discount. Answer all questions accurately and honestly. There may be discounts your Jeep qualifies for specifically, such as safety discounts.

#3 – Are SUVs more expensive to insure than other cars?

We’ve covered a lot of the factors about SUVs that go into the cost to insure them. SUVs are generally more expensive to insure than smaller vehicles, such as sedans, but it really depends on the model. An older SUV may be cheaper to insure than a newer luxury sedan, Many factors go into car insurance rates, so there’s no hard and fast rule for what type of car costs more to insure.

#4 – How much does insurance cost for other Jeeps?

How much does insurance cost for a Jeep Wrangler? The estimated cost for a good driver who is 40-years-old is around $1,256 a year with a $500 deductible. The 2016 jeep wrangler insurance cost is about $1,242 and decreases for each year the vehicle accrues.

What is a 2002 Jeep Liberty Renegade Blue Book value and how does that affect insurance? Kelley Blue Book estimates this to be between $2,400 and $4,184. With such an old vehicle, most people choose to carry liability-only coverage.

$5 – Are Jeep parts expensive?

Typically, spare parts for a Jeep are pretty cheap, so it isn’t likely to break the bank for a minor repair.

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