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 with full coverage. Comprehensive costs around $200 a year, collision costs $316, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,450. Teenage drivers cost the most to insure at $4,464 a year or more.
Average premium for full coverage: $1,134
Policy rates for type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Patriot trim levels.
Price Range Variability
For a driver in their 40's, Jeep Patriot insurance rates go from the cheapest price of $510 for liability-only coverage to a high of $2,450 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than using average rates.
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.
Additional Charts and Tables
The chart below details estimated Jeep Patriot insurance rates for additional coverage choices and driver risks.
- The best discount rate is $673
- Drivers who choose higher $1,000 deductibles will pay about $1,016 annually
- The average price for a good driver age 40 using $500 deductibles is $1,134
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,360
- High-risk insureds who are prone to accidents and violations could pay at least $2,450 or more
- Policy cost to insure a teenage driver can be $4,464 a year
Insurance rates for a Jeep Patriot also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Using high physical damage deductibles could save up to $350 a year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 may be forking out at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 138% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,530 on average in Florida, Michigan, 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 best way to find out your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and 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 auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.
The items below are a quick review of the data covered in the charts and tables above.
- Consumers who may need more liability coverage will pay an extra $510 every year to go from a 30/60 limit to a 250/500 level
- You may be able to save up to $130 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Teen drivers are charged the highest rates, as much as $372 each month if full coverage 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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