Jeep Patriot Insurance Rates
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UPDATED: Dec 18, 2019
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U.S. average insurance rates for a Jeep Patriot are $1,174 a year including full coverage. Comprehensive insurance costs on average $208 each year, collision insurance costs $352, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,546 or more. Teenage drivers pay the highest rates at up to $4,600 a year.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Patriot models.
Price Range from Low to High
For the average driver, Jeep Patriot insurance prices range from the low end price of $508 for your basic liability-only policy to a high rate of $2,546 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.
The ranges above highlight why all drivers should compare prices based on a specific location, instead of using average rates.
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 Information
The chart below breaks down average Jeep Patriot insurance rates for different risk profiles and scenarios.
- The best discount rate is $693
- Using higher $1,000 deductibles will save around $126 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,174
- Using low deductibles for physical damage coverage will cost an additional $248 every year
- Drivers who are prone to accidents and violations could pay upwards of $2,546
- The price that insures a teen driver may cost $4,600 or more
Auto insurance prices for a Jeep Patriot are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,600 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,680 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $902 | -$272 | -23.2% |
| Arizona | $976 | -$198 | -16.9% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,340 | $166 | 14.1% |
| Colorado | $1,126 | -$48 | -4.1% |
| Connecticut | $1,208 | $34 | 2.9% |
| Delaware | $1,332 | $158 | 13.5% |
| Florida | $1,472 | $298 | 25.4% |
| Georgia | $1,084 | -$90 | -7.7% |
| Hawaii | $846 | -$328 | -27.9% |
| Idaho | $796 | -$378 | -32.2% |
| Illinois | $878 | -$296 | -25.2% |
| Indiana | $886 | -$288 | -24.5% |
| Iowa | $792 | -$382 | -32.5% |
| Kansas | $1,118 | -$56 | -4.8% |
| Kentucky | $1,604 | $430 | 36.6% |
| Louisiana | $1,740 | $566 | 48.2% |
| Maine | $726 | -$448 | -38.2% |
| Maryland | $970 | -$204 | -17.4% |
| Massachusetts | $940 | -$234 | -19.9% |
| Michigan | $2,042 | $868 | 73.9% |
| Minnesota | $984 | -$190 | -16.2% |
| Mississippi | $1,408 | $234 | 19.9% |
| Missouri | $1,044 | -$130 | -11.1% |
| Montana | $1,264 | $90 | 7.7% |
| Nebraska | $926 | -$248 | -21.1% |
| Nevada | $1,410 | $236 | 20.1% |
| New Hampshire | $846 | -$328 | -27.9% |
| New Jersey | $1,314 | $140 | 11.9% |
| New Mexico | $1,040 | -$134 | -11.4% |
| New York | $1,240 | $66 | 5.6% |
| North Carolina | $678 | -$496 | -42.2% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $812 | -$362 | -30.8% |
| Oklahoma | $1,208 | $34 | 2.9% |
| Oregon | $1,078 | -$96 | -8.2% |
| Pennsylvania | $1,122 | -$52 | -4.4% |
| Rhode Island | $1,568 | $394 | 33.6% |
| South Carolina | $1,066 | -$108 | -9.2% |
| South Dakota | $992 | -$182 | -15.5% |
| Tennessee | $1,028 | -$146 | -12.4% |
| Texas | $1,418 | $244 | 20.8% |
| Utah | $872 | -$302 | -25.7% |
| Vermont | $806 | -$368 | -31.3% |
| Virginia | $706 | -$468 | -39.9% |
| Washington | $910 | -$264 | -22.5% |
| West Virginia | $1,078 | -$96 | -8.2% |
| Wisconsin | $814 | -$360 | -30.7% |
| Wyoming | $1,048 | -$126 | -10.7% |
Using high physical damage deductibles could cut prices by as much as $380 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,108 | $92 |
| Jeep Patriot Sport 4WD | $1,142 | $95 |
| Jeep Patriot Limited 2WD | $1,208 | $101 |
| Jeep Patriot Limited 4WD | $1,244 | $104 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Jeep Patriot | $208 | $352 | $456 | $1,174 |
| 2014 Jeep Patriot | $188 | $292 | $460 | $1,098 |
| 2013 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2012 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2009 Jeep Patriot | $148 | $196 | $474 | $976 |
| 2007 Jeep Patriot | $134 | $160 | $468 | $920 |
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 the Best Cheap Jeep Patriot Insurance
Getting lower rates on car insurance requires having a good driving record, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the data touched on above.
- Policyholders who require increased levels of liability coverage will pay an extra $500 per year to increase from a low limit to the 250/500 level
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $375 each year
- Drivers age 20 and younger are charged the highest prices, possibly costing $383 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,600 |
| 20 | $2,712 |
| 30 | $1,210 |
| 40 | $1,174 |
| 50 | $1,076 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,308 |
| $500 | $1,174 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,335 |
| 100/300 | $1,449 |
| 250/500 | $1,746 |
| 100 CSL | $1,381 |
| 300 CSL | $1,632 |
| 500 CSL | $1,814 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,518 |
| 20 | $4,326 |
| 30 | $2,580 |
| 40 | $2,546 |
| 50 | $2,432 |
| 60 | $2,410 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $481 |
Discounts are estimated and may not be available from every company or in every state.
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