Jeep Patriot Insurance Rates

The average insurance prices for a Jeep Patriot are $1,074 every 12 months including full coverage. Comprehensive insurance costs an estimated $180 a year, collision costs $272, and liability insurance costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver 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 broken down by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $643
• Using higher $1,000 deductibles will save approximately $972 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,074
• Buying low $100 deductibles for physical damage coverage costs an extra $200 a year
• Drivers with multiple tickets or accidents could pay up to $2,322 or more
• Policy cost to insure a teen driver can cost as much as $4,284 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $310 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,200 a year. View Rates by Age

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

Your home state has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see rates 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 which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Shop for the Right Jeep Patriot Insurance

Finding cheaper rates on Jeep Patriot insurance requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the data that was covered above.

• You may be able to save approximately $120 per year simply by quoting early and online
• Drivers who want more liability protection will pay around $510 per year to increase from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, with premiums being up to $357 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,250 more annually than a low-risk driver