Jeep Patriot Insurance Rates
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Jeep Patriot are $1,134 annually with full coverage. Comprehensive insurance costs approximately $200, collision costs $316, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,450 or more. Teens cost the most to insure at $4,464 a year or more.
Average premium for full coverage: $1,134
Policy rates by type of insurance:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Patriot models.
Price Range Variability
For a driver in their 40's, Jeep Patriot insurance rates go from as cheap as $510 for just liability insurance to the much higher price of $2,450 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.
The example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.
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.
More Rate Details
The chart below details estimated Jeep Patriot insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $673
- Choosing higher $1,000 deductibles can save $118 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,134
- Selecting pricier low deductibles for comp and collision coverage costs an additional $226 a year
- High-risk insureds with serious driving violations could pay around $2,450 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $4,464 each year
Car insurance rates for a Jeep Patriot also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. Jeep Patriot insurance for high-risk drivers ranges anywhere from 43% to 138% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $350 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,026 | -$108 | -9.5% |
| Alaska | $870 | -$264 | -23.3% |
| Arizona | $942 | -$192 | -16.9% |
| Arkansas | $1,134 | -$0 | 0.0% |
| California | $1,292 | $158 | 13.9% |
| Colorado | $1,086 | -$48 | -4.2% |
| Connecticut | $1,168 | $34 | 3.0% |
| Delaware | $1,284 | $150 | 13.2% |
| Florida | $1,420 | $286 | 25.2% |
| Georgia | $1,046 | -$88 | -7.8% |
| Hawaii | $816 | -$318 | -28.0% |
| Idaho | $768 | -$366 | -32.3% |
| Illinois | $846 | -$288 | -25.4% |
| Indiana | $852 | -$282 | -24.9% |
| Iowa | $766 | -$368 | -32.5% |
| Kansas | $1,078 | -$56 | -4.9% |
| Kentucky | $1,548 | $414 | 36.5% |
| Louisiana | $1,678 | $544 | 48.0% |
| Maine | $702 | -$432 | -38.1% |
| Maryland | $938 | -$196 | -17.3% |
| Massachusetts | $908 | -$226 | -19.9% |
| Michigan | $1,972 | $838 | 73.9% |
| Minnesota | $950 | -$184 | -16.2% |
| Mississippi | $1,360 | $226 | 19.9% |
| Missouri | $1,006 | -$128 | -11.3% |
| Montana | $1,218 | $84 | 7.4% |
| Nebraska | $896 | -$238 | -21.0% |
| Nevada | $1,362 | $228 | 20.1% |
| New Hampshire | $818 | -$316 | -27.9% |
| New Jersey | $1,270 | $136 | 12.0% |
| New Mexico | $1,006 | -$128 | -11.3% |
| New York | $1,196 | $62 | 5.5% |
| North Carolina | $654 | -$480 | -42.3% |
| North Dakota | $930 | -$204 | -18.0% |
| Ohio | $784 | -$350 | -30.9% |
| Oklahoma | $1,166 | $32 | 2.8% |
| Oregon | $1,040 | -$94 | -8.3% |
| Pennsylvania | $1,082 | -$52 | -4.6% |
| Rhode Island | $1,514 | $380 | 33.5% |
| South Carolina | $1,028 | -$106 | -9.3% |
| South Dakota | $958 | -$176 | -15.5% |
| Tennessee | $994 | -$140 | -12.3% |
| Texas | $1,368 | $234 | 20.6% |
| Utah | $840 | -$294 | -25.9% |
| Vermont | $776 | -$358 | -31.6% |
| Virginia | $680 | -$454 | -40.0% |
| Washington | $878 | -$256 | -22.6% |
| West Virginia | $1,040 | -$94 | -8.3% |
| Wisconsin | $786 | -$348 | -30.7% |
| Wyoming | $1,012 | -$122 | -10.8% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,072 | $89 |
| Jeep Patriot Sport 4WD | $1,104 | $92 |
| Jeep Patriot Limited 2WD | $1,166 | $97 |
| Jeep Patriot Limited 4WD | $1,196 | $100 |
Rates assume 2016 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 |
|---|---|---|---|---|
| 2016 Jeep Patriot | $200 | $316 | $460 | $1,134 |
| 2014 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2013 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2012 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2009 Jeep Patriot | $140 | $178 | $474 | $950 |
| 2007 Jeep Patriot | $132 | $156 | $460 | $906 |
Rates are averaged for all Jeep Patriot models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Jeep Patriot Insurance
Finding cheaper rates on Jeep Patriot insurance takes being a low-risk driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,320 more per year to insure their Patriot
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teen drivers pay the highest auto insurance rates, as much as $372 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,464 |
| 20 | $2,610 |
| 30 | $1,164 |
| 40 | $1,134 |
| 50 | $1,040 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,256 |
| $500 | $1,134 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,134 |
| 50/100 | $1,288 |
| 100/300 | $1,403 |
| 250/500 | $1,702 |
| 100 CSL | $1,334 |
| 300 CSL | $1,587 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,318 |
| 20 | $4,160 |
| 30 | $2,484 |
| 40 | $2,450 |
| 50 | $2,344 |
| 60 | $2,322 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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