Jeep Patriot Insurance Rates

The average insurance prices for a Jeep Patriot are $1,074 every 12 months including full coverage. Comprehensive insurance costs an estimated $180 each year, collision insurance costs $272, and liability is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers costs $2,322 or more. Teenage drivers cost the most to insure at up to $4,284 a year.

Average premium for full coverage: $1,074

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Patriot models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $643
• Raising to $1,000 deductibles will save approximately $102 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,074
• Using low deductibles costs an extra $200 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,322
• Policy cost to insure a teen driver can cost as much as $4,284

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $310 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,540 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Cheap Jeep Patriot Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a brief summary of the information covered in the above illustrations.

• You may be able to save approximately $120 per year just by quoting online in advance
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $357 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,250 more annually to insure a Jeep Patriot
• Policyholders who want increased liability limits will pay an extra $510 per year to raise from a 30/60 limit to a 250/500 level