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 insurance. Comprehensive costs around $180, collision costs $272, and liability insurance costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers costing around $2,322. 16-year-old drivers pay the highest rates at $4,284 a year or more.

Average premium for full coverage: $1,074

Price estimates for individual coverage:

Comprehensive $180
Collision $272
Liability $464

Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 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 the low end price of $514 for a discount liability-only rate to the much higher price of $2,322 for a policy for a high-risk driver.

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

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above illustrate why everyone should compare prices for a specific zip code, rather than relying on rate 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.

Rates by State, City, and Model

The chart below illustrates estimated Jeep Patriot insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $643
  • Using higher $1,000 deductibles will save about $102 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,074
  • Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,274
  • Drivers with multiple tickets or accidents could pay at least $2,322 or more
  • The price that insures a teen driver for full coverage can be $4,284 or more

View Chart as Image

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

Insurance prices for a Jeep Patriot are also quite variable based on the model of your Patriot, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,300 to $1,800 extra each year, depending on your age. Jeep Patriot insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could 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 as much as $4,200 a year. View Rates by Age

The state you live in has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see prices as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,460 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles could cut prices by as much as $310 each year, whereas buying more liability protection will increase prices. Switching 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 figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, 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 More Affordable Jeep Patriot Insurance

Getting lower rates on Jeep Patriot insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a summary of the coverage data raised in the charts and tables above.

  • It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $300 each year
  • Teenage drivers pay higher prices, as much as $357 a month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,250 more every year for auto insurance

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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