Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,074 a year with full coverage. Comprehensive costs an estimated $180 each year, collision costs $272, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing around $2,322. Teenage 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:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Patriot models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $643
• Using higher $1,000 deductibles will save approximately $102 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,074
• Using low deductibles for physical damage coverage will increase the cost to $1,274
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,322 or more
• Policy cost for full coverage for a teenage 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 your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,200 a year. View Rates by Age

Your home state has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,460 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $310 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted 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 the Best Cheap Jeep Patriot Insurance

Finding cheaper rates on auto insurance requires being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the information presented in the illustrations above.

• You may be able to save approximately $120 per year simply by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, as much as $357 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers with a DUI or reckless driving violation may pay on average $1,250 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits