Jeep Patriot Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for a Jeep Patriot are $1,174 annually for full coverage insurance. Comprehensive costs approximately $208 each year, collision costs $352, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $2,546. Teenage drivers pay the most at $4,600 a year or more.
Average premium for full coverage: $1,174
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Patriot models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Jeep Patriot go from as cheap as $508 for just liability coverage to a high rate of $2,546 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than 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.
Detailed Rate Analysis
The chart below illustrates estimated Jeep Patriot insurance rates for additional coverage and risk scenarios.
- The best discount rate is $693
- Choosing higher $1,000 deductibles can save $126 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,174
- Using low deductibles for comp and collision coverage will cost $1,422
- Drivers who are prone to accidents and violations could pay around $2,546 or more
- An auto insurance policy with full coverage for a teenage driver can cost $4,600 each year
Insurance prices for a Jeep Patriot also have a wide range based on the model of your Patriot, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $380 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.
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 Buy Low Cost Jeep Patriot Insurance
Finding better rates on auto insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a review of the coverage data covered in the above illustrations.
- It is possible to save around $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $375 each year
- Youthful drivers are the costliest to insure, with premiums being up to $383 per month if they have full coverage
- Drivers who have several accidents or serious violations could be forced to pay on average $1,370 more per year than a low-risk driver
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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