Knee ligament length can be used to infer ligament recruitment during functional activities and subject-specific morphology affects the interplay between ligament recruitment and joint motion. This study presents an approach that estimated ligament fiber insertion-to-insertion lengths with wrapping around subject-specific osseous morphology (WraptMor). This represents an advancement over previous work that utilized surrogate geometry to approximate ligament interaction with bone surfaces. Additionally, the reactions each ligament imparted onto bones were calculated by assigning a force–length relationship (kinetic WraptMor model), which assumed that the insertion-to-insertion lengths were independent of the assigned properties. Confirmation of the approach included comparing WraptMor predicted insertion-to-insertion length and reactions with an equivalent displacement-controlled explicit finite element model. Both models evaluated 10 ligament bundles at 16 different joint positions, which were repeated for five different ligament prestrain values for a total of 80 simulations per bundle. The WraptMor and kinetic WraptMor models yielded length and reaction predictions that were similar to the equivalent finite element model. With a few exceptions, predicted ligament lengths and reactions agreed to within 0.1 mm and 2.0 N, respectively, across all tested joint positions and prestrain values. The primary source of discrepancy between the models appeared to be caused by artifacts in the finite element model. The result is a relatively efficient approach to estimate ligament lengths and reactions that include wrapping around knee-specific bone surfaces.