Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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Estimated insurance prices for a Jeep Patriot are $1,098 every 12 months for full coverage insurance. Comprehensive costs an estimated $188, collision insurance costs $292, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,368. Teens pay the most at up to $4,344 a year.

Average premium for full coverage: $1,098

Premium estimates broken down by type of coverage:

Comprehensive $188
Collision $292
Liability $460

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Patriot models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Jeep Patriot range from the cheapest price of $510 for just the minimum liability insurance to the much higher price of $2,368 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,098
High Risk $2,368

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

Rural Areas $824
Small Cities $1,153
Large Cities $1,482

These rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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 Analysis

The chart below illustrates average Jeep Patriot insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $655
  • Drivers who choose higher $1,000 deductibles will pay approximately $110 each year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,098
  • Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,304
  • High risk drivers with serious driving violations could pay up to $2,368
  • An auto insurance policy to insure a teen driver for full coverage can cost as much as $4,344 a year

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing Jeep Patriot insurance rates range from $655 to $4,344 for full coverage

Insurance prices for a Jeep Patriot also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. Jeep Patriot insurance for high-risk drivers can cost anywhere from 41% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,480 on average in Florida, New York, and Michigan.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $992 -$106 -9.7%
Alaska $842 -$256 -23.3%
Arizona $912 -$186 -16.9%
Arkansas $1,098 -$0 0.0%
California $1,250 $152 13.8%
Colorado $1,048 -$50 -4.6%
Connecticut $1,128 $30 2.7%
Delaware $1,242 $144 13.1%
Florida $1,372 $274 25.0%
Georgia $1,010 -$88 -8.0%
Hawaii $786 -$312 -28.4%
Idaho $742 -$356 -32.4%
Illinois $816 -$282 -25.7%
Indiana $824 -$274 -25.0%
Iowa $738 -$360 -32.8%
Kansas $1,042 -$56 -5.1%
Kentucky $1,498 $400 36.4%
Louisiana $1,620 $522 47.5%
Maine $678 -$420 -38.3%
Maryland $904 -$194 -17.7%
Massachusetts $878 -$220 -20.0%
Michigan $1,904 $806 73.4%
Minnesota $918 -$180 -16.4%
Mississippi $1,312 $214 19.5%
Missouri $972 -$126 -11.5%
Montana $1,176 $78 7.1%
Nebraska $866 -$232 -21.1%
Nevada $1,316 $218 19.9%
New Hampshire $790 -$308 -28.1%
New Jersey $1,226 $128 11.7%
New Mexico $972 -$126 -11.5%
New York $1,154 $56 5.1%
North Carolina $632 -$466 -42.4%
North Dakota $898 -$200 -18.2%
Ohio $758 -$340 -31.0%
Oklahoma $1,126 $28 2.6%
Oregon $1,004 -$94 -8.6%
Pennsylvania $1,046 -$52 -4.7%
Rhode Island $1,464 $366 33.3%
South Carolina $994 -$104 -9.5%
South Dakota $926 -$172 -15.7%
Tennessee $960 -$138 -12.6%
Texas $1,322 $224 20.4%
Utah $812 -$286 -26.0%
Vermont $750 -$348 -31.7%
Virginia $656 -$442 -40.3%
Washington $848 -$250 -22.8%
West Virginia $1,004 -$94 -8.6%
Wisconsin $760 -$338 -30.8%
Wyoming $978 -$120 -10.9%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

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 $1,038 $87
Jeep Patriot Sport 4WD $1,068 $89
Jeep Patriot Limited 2WD $1,124 $94
Jeep Patriot Limited 4WD $1,154 $96

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 $200 $316 $460 $1,134
2016 Jeep Patriot $188 $292 $460 $1,098
2014 Jeep Patriot $176 $254 $474 $1,062
2013 Jeep Patriot $164 $236 $474 $1,032
2012 Jeep Patriot $158 $214 $478 $1,008
2009 Jeep Patriot $134 $160 $468 $920
2007 Jeep Patriot $130 $150 $452 $890

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 Shop for Cheap Jeep Patriot Insurance

Finding better rates on Jeep Patriot insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the primary concepts that were illustrated above.

  • It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,270 more annually for auto insurance
  • Increasing policy deductibles could save as much as $325 each year
  • Teenage drivers are charged the highest prices, with premiums being up to $362 per month if they have full coverage

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,344
20 $2,522
30 $1,122
40 $1,098
50 $1,004
60 $984

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,208
$500 $1,098
$1,000 $988

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,098
50/100 $1,246
100/300 $1,361
250/500 $1,660
100 CSL $1,292
300 CSL $1,545
500 CSL $1,729

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,018
30 $2,396
40 $2,368
50 $2,264
60 $2,244

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 $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $75
Total Discounts $443
Rate after discounts $655

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

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