Jeep Patriot Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 10, 2024

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Average auto insurance rates for a Jeep Patriot are $1,134 annually for full coverage. Comprehensive insurance costs approximately $200, collision insurance costs $316, and liability coverage costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,450 or more. Teenage drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,134

Rate estimates by individual coverage type:

Comprehensive $200
Collision $316
Liability $460

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Patriot models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $510 for your basic liability-only policy to the much higher price of $2,450 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,134
High Risk $2,450

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

Rural Areas $851
Small Cities $1,191
Large Cities $1,531

These examples show why everyone should compare rates 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.

More Rate Information

The chart below shows average Jeep Patriot insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $673
  • Drivers who choose higher $1,000 deductibles will pay $118 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,134
  • Using pricier low deductibles for comprehensive and collision insurance costs an additional $226 each year
  • High-risk insureds who are prone to accidents and violations could pay around $2,450
  • The cost with full coverage for a teenage driver for full coverage can cost $4,464 a year

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing Jeep Patriot insurance prices range from $673 to $4,464 for full coverage

Auto insurance rates for a Jeep Patriot can also vary considerably based on the trim level of your Patriot, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Jeep Patriot insurance for high-risk drivers can cost around 43% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,620 on average in New York, Louisiana, and Michigan.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,026 -$108 -9.5%
Alaska $870 -$264 -23.3%
Arizona $942 -$192 -16.9%
Arkansas $1,134 -$0 0.0%
California $1,292 $158 13.9%
Colorado $1,086 -$48 -4.2%
Connecticut $1,168 $34 3.0%
Delaware $1,284 $150 13.2%
Florida $1,420 $286 25.2%
Georgia $1,046 -$88 -7.8%
Hawaii $816 -$318 -28.0%
Idaho $768 -$366 -32.3%
Illinois $846 -$288 -25.4%
Indiana $852 -$282 -24.9%
Iowa $766 -$368 -32.5%
Kansas $1,078 -$56 -4.9%
Kentucky $1,548 $414 36.5%
Louisiana $1,678 $544 48.0%
Maine $702 -$432 -38.1%
Maryland $938 -$196 -17.3%
Massachusetts $908 -$226 -19.9%
Michigan $1,972 $838 73.9%
Minnesota $950 -$184 -16.2%
Mississippi $1,360 $226 19.9%
Missouri $1,006 -$128 -11.3%
Montana $1,218 $84 7.4%
Nebraska $896 -$238 -21.0%
Nevada $1,362 $228 20.1%
New Hampshire $818 -$316 -27.9%
New Jersey $1,270 $136 12.0%
New Mexico $1,006 -$128 -11.3%
New York $1,196 $62 5.5%
North Carolina $654 -$480 -42.3%
North Dakota $930 -$204 -18.0%
Ohio $784 -$350 -30.9%
Oklahoma $1,166 $32 2.8%
Oregon $1,040 -$94 -8.3%
Pennsylvania $1,082 -$52 -4.6%
Rhode Island $1,514 $380 33.5%
South Carolina $1,028 -$106 -9.3%
South Dakota $958 -$176 -15.5%
Tennessee $994 -$140 -12.3%
Texas $1,368 $234 20.6%
Utah $840 -$294 -25.9%
Vermont $776 -$358 -31.6%
Virginia $680 -$454 -40.0%
Washington $878 -$256 -22.6%
West Virginia $1,040 -$94 -8.3%
Wisconsin $786 -$348 -30.7%
Wyoming $1,012 -$122 -10.8%

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 $1,072 $89
Jeep Patriot Sport 4WD $1,104 $92
Jeep Patriot Limited 2WD $1,166 $97
Jeep Patriot Limited 4WD $1,196 $100

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 $208 $352 $456 $1,174
2016 Jeep Patriot $200 $316 $460 $1,134
2014 Jeep Patriot $180 $272 $464 $1,074
2013 Jeep Patriot $176 $254 $474 $1,062
2012 Jeep Patriot $164 $236 $474 $1,032
2009 Jeep Patriot $140 $178 $474 $950
2007 Jeep Patriot $132 $156 $460 $906

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 Affordable Jeep Patriot Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief review of the primary concepts that were illustrated above.

  • Drivers can save around $130 per year just by quoting online well ahead of the renewal date
  • Drivers with DUI or reckless driving convictions pay on average $1,320 more per year than a low-risk driver
  • Increasing deductibles could save up to $350 each year
  • Youthful drivers have the highest car insurance rates, costing as high as $372 per month if full coverage is included

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,464
20 $2,610
30 $1,164
40 $1,134
50 $1,040
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,256
$500 $1,134
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,134
50/100 $1,288
100/300 $1,403
250/500 $1,702
100 CSL $1,334
300 CSL $1,587
500 CSL $1,771

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,318
20 $4,160
30 $2,484
40 $2,450
50 $2,344
60 $2,322

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $52
Online Quote $78
Total Discounts $461
Rate after discounts $673

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

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