Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,074 a year for full coverage. Comprehensive costs an estimated $180, collision costs $272, and liability insurance costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,322. Teens cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Jeep Patriot insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $643
• Drivers who choose higher $1,000 deductibles will pay approximately $102 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,074
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,274
• High risk drivers with serious driving violations could pay up to $2,322 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,284 a year

View Chart as Image

Insurance rates for a Jeep Patriot also range considerably based on your risk profile, the trim level of your Patriot, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,200 a year. View Rates by Age

Your home state makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,540 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $310 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied from one company to the next.

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 Find Cheaper Jeep Patriot Insurance

Finding cheaper rates on Jeep Patriot insurance not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the material that was touched on above.

• Drivers who want more liability protection will pay approximately $510 each year to go from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $357 each month for full coverage
• High-risk drivers with multiple at-fault accidents pay an average of $1,250 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $300 each year