Jeep Patriot Insurance Rates

The average auto insurance rates for a Jeep Patriot are $1,074 annually including full coverage. Comprehensive insurance costs approximately $180 a year, collision costs $272, and liability insurance is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing $2,322 or more. 16-year-old drivers cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates by type of insurance:

Includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Jeep Patriot insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $643
• Choosing higher $1,000 deductibles can save $972 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,074
• Buying low $100 deductibles for comp and collision coverage costs an additional $200 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,322 or more
• Policy cost with full coverage for a teen driver can cost $4,284 each year

View Chart as Image

Car insurance rates for a Jeep Patriot also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $310 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 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 $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,540 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Cheapest Jeep Patriot Insurance

Finding cheaper rates on Jeep Patriot insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a recap of the car insurance concepts touched on in this article.

• High-risk drivers that have major violations or accidents may have to pay on average $1,250 more per year to buy Jeep Patriot insurance
• You may be able to save around $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Drivers who purchase increased levels of liability coverage will pay around $510 per year to raise limits from a 30/60 limit to higher 250/500 limits