Jeep Patriot Sport 4WD Insurance Rates

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The average insurance rates for a Jeep Patriot Sport 4WD are $1,238 a year for full coverage insurance. Comprehensive costs on average $270, collision insurance costs $446, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs around $2,656. Teenage drivers cost the most to insure at up to $4,616 a year.

Annual premium for full coverage: $1,238

Policy rates by type of insurance:

Comprehensive $270
Collision $446
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Jeep Patriot Trim Level

Using a middle-aged driver as an example, Jeep Patriot Sport 4WD insurance rates range from the low end price of $430 for minimum levels of liability insurance to a much higher rate of $2,656 for a high-risk driver policy.

Liability Only $430
Full Coverage $1,238
High Risk $2,656

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

These price differences illustrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Car insurance rates for a Jeep Patriot Sport 4WD also range considerably based on the model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

Your home state makes a big difference in Jeep Patriot Sport 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $480 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be varied.

View Chart as Image

Jeep Patriot Sport 4WD insurance cost comparison chart
Column chart showing Jeep Patriot Sport 4WD insurance prices range from $726 to $4,616 for full coverage

The chart estimates Jeep Patriot Sport 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $726. Drivers who use higher $1,000 deductibles will pay $1,076. The average price for a 40-year-old male driver using $500 deductibles is $1,238. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,552. Drivers with multiple violations and accidents could be charged around $2,656. The price for full coverage insurance for a teen driver is $4,616.

Jeep Patriot Sport 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,118 -$120 -9.7%
Alaska $950 -$288 -23.3%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,410 $172 13.9%
Colorado $1,182 -$56 -4.5%
Connecticut $1,274 $36 2.9%
Delaware $1,402 $164 13.2%
Florida $1,548 $310 25.0%
Georgia $1,144 -$94 -7.6%
Hawaii $890 -$348 -28.1%
Idaho $838 -$400 -32.3%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $836 -$402 -32.5%
Kansas $1,178 -$60 -4.8%
Kentucky $1,690 $452 36.5%
Louisiana $1,832 $594 48.0%
Maine $764 -$474 -38.3%
Maryland $1,022 -$216 -17.4%
Massachusetts $990 -$248 -20.0%
Michigan $2,150 $912 73.7%
Minnesota $1,034 -$204 -16.5%
Mississippi $1,484 $246 19.9%
Missouri $1,098 -$140 -11.3%
Montana $1,330 $92 7.4%
Nebraska $976 -$262 -21.2%
Nevada $1,484 $246 19.9%
New Hampshire $892 -$346 -27.9%
New Jersey $1,384 $146 11.8%
New Mexico $1,096 -$142 -11.5%
New York $1,304 $66 5.3%
North Carolina $714 -$524 -42.3%
North Dakota $1,014 -$224 -18.1%
Ohio $854 -$384 -31.0%
Oklahoma $1,272 $34 2.7%
Oregon $1,134 -$104 -8.4%
Pennsylvania $1,180 -$58 -4.7%
Rhode Island $1,652 $414 33.4%
South Carolina $1,124 -$114 -9.2%
South Dakota $1,044 -$194 -15.7%
Tennessee $1,086 -$152 -12.3%
Texas $1,492 $254 20.5%
Utah $918 -$320 -25.8%
Vermont $848 -$390 -31.5%
Virginia $740 -$498 -40.2%
Washington $958 -$280 -22.6%
West Virginia $1,134 -$104 -8.4%
Wisconsin $858 -$380 -30.7%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

Jeep Patriot Sport 4WD insurance rates by U.S. city

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Rates by Driver Age

Jeep Patriot Sport 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,616
20 $2,836
30 $1,288
40 $1,238
50 $1,130
60 $1,108

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Sport 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,552
$250 $1,408
$500 $1,238
$1,000 $1,076

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Sport 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,311
100/300 $1,402
250/500 $1,638
100 CSL $1,347
300 CSL $1,547
500 CSL $1,693

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Sport 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,564
20 $4,500
30 $2,712
40 $2,656
50 $2,536
60 $2,512

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.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $88
5-yr Claim Free $78
Paid in Full/EFT $55
Advance Quote $59
Online Quote $86
Total Discounts $512
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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