Jeep Patriot Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Jeep Patriot are $1,134 every 12 months for full coverage. Comprehensive costs on average $200, collision costs $316, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing around $2,450. Teen drivers 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:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Patriot trim levels.
Price Range Variability
For an average driver, Jeep Patriot insurance rates go from the cheapest price of $510 for your basic liability-only policy to a much higher rate of $2,450 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.
The price range example below illustrates the effect of geographic area on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using price averages.
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 Information
The chart below shows estimated Jeep Patriot insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $673
- Raising to $1,000 deductibles will save around $118 a year
- The average price for a good driver age 40 with $500 deductibles is $1,134
- Choosing more expensive low deductibles increases the price to $1,360
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,450 or more
- Policy cost to insure a teen driver with full coverage may cost $4,464
Insurance rates for a Jeep Patriot also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Patriot.
Choosing high deductibles can reduce rates by up to $350 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 138% more than average. View High Risk Driver Rates
Your home state also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find rates as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,620 on average in Michigan, Louisiana, and New York.
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 only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied.
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 Shop for the Best Cheap Jeep Patriot Insurance
Finding cheaper rates on car insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at least every other year by quoting rates from direct carriers, and also from local independent and exclusive agents.
The following list is a quick review of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,320 more each year than a safer driver
- Drivers can save as much as $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Policyholders who require an increased level of liability coverage will pay about $510 each year to raise from a 30/60 limit to a 250/500 level
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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