Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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U.S. average insurance rates for a Jeep Patriot are $1,074 a year for full coverage. Comprehensive insurance costs an estimated $180 each year, collision costs $272, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers 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:

Comprehensive $180
Collision $272
Liability $464

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Patriot models.

Price Range from Low to High

Using a middle-aged driver as an example, Jeep Patriot insurance prices go from the low end price of $514 for just liability insurance to a high rate of $2,322 for high-risk insurance.

Liability Only $514
Full Coverage $1,074
High Risk $2,322

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $806
Small Cities $1,128
Large Cities $1,450

The ranges above show why all drivers should compare prices for a targeted area, instead of using 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.

More Rate Details

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

  • The lowest rate with discounts is $643
  • Using higher $1,000 deductibles will save approximately $102 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,074
  • Choosing low deductibles for physical damage coverage will cost an additional $200 every year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,322 or more
  • The price that insures a teen driver can cost as much as $4,284 or more

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing full coverage Jeep Patriot insurance prices range from $643 to $4,284

Insurance prices for a Jeep Patriot are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age

The state you live in has a huge impact on Jeep Patriot insurance prices. A driver around age 40 might see prices 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.

Jeep Patriot Insurance Rates by State
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%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $310 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Jeep Patriot Insurance Rates by Model and Trim Level
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.

Jeep Patriot Insurance Rates by Model Year
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 Find Low Cost Jeep Patriot Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Shop around every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.

Below is a review of the material that was touched on in the above illustrations.

  • Policyholders who want higher levels of liability will pay about $510 each year to increase from a low limit to the 250/500 level
  • Teenage drivers are charged the highest prices, with premiums as much as $357 a month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,250 more annually for auto insurance
  • Increasing physical damage deductibles can save approximately $300 each year

Rates by Driver Age

Jeep Patriot Insurance 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

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,074
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
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

Jeep Patriot Insurance 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.

SR-22 Surcharge $146

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
Rate after discounts $643

Discounts are estimated and may not be available from every company or in every state.

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