Jeep Patriot Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 10, 2024
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U.S. average auto insurance rates for a Jeep Patriot are $1,074 annually for full coverage. Comprehensive insurance costs an estimated $180, collision costs $272, and liability insurance is estimated at $464. Liability-only insurance costs approximately $514 a year, with high-risk driver insurance costing $2,322 or more. Teen drivers pay the highest rates at $4,284 a year or more.
Average premium for full coverage: $1,074
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Patriot models.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Patriot insurance prices go from as cheap as $514 for the bare minimum liability coverage to the much higher price of $2,322 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have fewer accident claims than larger metro areas.
The example below illustrates how rural and urban location affects insurance prices.
The ranges above show why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on 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.
Additional Rate Information
The chart below shows estimated Jeep Patriot insurance rates for other coverage scenarios.
- The lowest rate with discounts is $643
- Choosing higher $1,000 deductibles can save approximately $102 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,074
- Choosing pricier low deductibles for comp and collision coverage costs an additional $200 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,322 or more
- The price with full coverage for a teen driver for full coverage can cost as much as $4,284 each year
Car insurance prices for a Jeep Patriot are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,300 to $1,800 extra each year, depending on your age. Jeep Patriot insurance for high-risk drivers ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $310 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or as much as $1,540 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $974 | -$100 | -9.3% |
| Alaska | $826 | -$248 | -23.1% |
| Arizona | $894 | -$180 | -16.8% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,228 | $154 | 14.3% |
| Colorado | $1,028 | -$46 | -4.3% |
| Connecticut | $1,108 | $34 | 3.2% |
| Delaware | $1,218 | $144 | 13.4% |
| Florida | $1,348 | $274 | 25.5% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $774 | -$300 | -27.9% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $802 | -$272 | -25.3% |
| Indiana | $810 | -$264 | -24.6% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,024 | -$50 | -4.7% |
| Kentucky | $1,468 | $394 | 36.7% |
| Louisiana | $1,594 | $520 | 48.4% |
| Maine | $664 | -$410 | -38.2% |
| Maryland | $888 | -$186 | -17.3% |
| Massachusetts | $862 | -$212 | -19.7% |
| Michigan | $1,870 | $796 | 74.1% |
| Minnesota | $900 | -$174 | -16.2% |
| Mississippi | $1,288 | $214 | 19.9% |
| Missouri | $954 | -$120 | -11.2% |
| Montana | $1,156 | $82 | 7.6% |
| Nebraska | $848 | -$226 | -21.0% |
| Nevada | $1,290 | $216 | 20.1% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,202 | $128 | 11.9% |
| New Mexico | $954 | -$120 | -11.2% |
| New York | $1,134 | $60 | 5.6% |
| North Carolina | $622 | -$452 | -42.1% |
| North Dakota | $882 | -$192 | -17.9% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,106 | $32 | 3.0% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,026 | -$48 | -4.5% |
| Rhode Island | $1,436 | $362 | 33.7% |
| South Carolina | $976 | -$98 | -9.1% |
| South Dakota | $908 | -$166 | -15.5% |
| Tennessee | $942 | -$132 | -12.3% |
| Texas | $1,298 | $224 | 20.9% |
| Utah | $798 | -$276 | -25.7% |
| Vermont | $738 | -$336 | -31.3% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $832 | -$242 | -22.5% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $744 | -$330 | -30.7% |
| Wyoming | $958 | -$116 | -10.8% |
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,020 | $85 |
| Jeep Patriot Sport 4WD | $1,048 | $87 |
| Jeep Patriot Limited 2WD | $1,104 | $92 |
| Jeep Patriot Limited 4WD | $1,130 | $94 |
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 |
|---|---|---|---|---|
| 2017 Jeep Patriot | $188 | $292 | $460 | $1,098 |
| 2016 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2014 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2013 Jeep Patriot | $158 | $214 | $478 | $1,008 |
| 2012 Jeep Patriot | $148 | $196 | $474 | $976 |
| 2009 Jeep Patriot | $132 | $156 | $460 | $906 |
| 2007 Jeep Patriot | $120 | $142 | $446 | $866 |
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 Buy the Best Jeep Patriot Insurance
Getting lower rates on Jeep Patriot insurance takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
- High-risk drivers who tend to receive serious violations may pay on average $1,250 more annually to insure a Jeep Patriot
- Increasing physical damage deductibles could save up to $300 each year
- Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $357 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,284 |
| 20 | $2,474 |
| 30 | $1,098 |
| 40 | $1,074 |
| 50 | $986 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,274 |
| $250 | $1,182 |
| $500 | $1,074 |
| $1,000 | $972 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,223 |
| 100/300 | $1,339 |
| 250/500 | $1,640 |
| 100 CSL | $1,269 |
| 300 CSL | $1,524 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,050 |
| 20 | $3,942 |
| 30 | $2,348 |
| 40 | $2,322 |
| 50 | $2,222 |
| 60 | $2,202 |
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 | $55 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $41 |
| Advance Quote | $49 |
| Online Quote | $73 |
| Total Discounts | $431 |
Discounts are estimated and may not be available from every company or in every state.
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