Jeep Patriot Insurance Rates

The average auto insurance rates for a Jeep Patriot are $1,098 annually for full coverage insurance. Comprehensive insurance costs an estimated $188, collision costs $292, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,368 or more. 16-year-old drivers cost the most to insure at $4,344 a year or more.

Average premium for full coverage: $1,098

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $655
• Choosing higher $1,000 deductibles can save approximately $110 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,098
• Buying more expensive low deductibles for comp and collision coverage costs an additional $206 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,368 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,344 each year

View Chart as Image

Insurance rates for a Jeep Patriot also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $320 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,480 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.

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 Buy Cheap Jeep Patriot Insurance

Finding cheaper rates on Jeep Patriot insurance takes being safe and accident-free, having good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the material that was touched on in the above illustrations.

• Drivers who want more liability protection will pay around $510 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, possibly costing $362 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,270 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $325 each year