Jeep Patriot Insurance Rates

U.S. average insurance rates for a Jeep Patriot are $1,098 a year including full coverage. Comprehensive costs on average $188 each year, collision costs $292, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing around $2,368. Teenage drivers pay the highest rates at $4,344 a year or more.

Average premium for full coverage: $1,098

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Patriot models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down estimated Jeep Patriot insurance rates for different risk profiles and scenarios.

• The best discount rate is $655
• Raising to $1,000 deductibles will save around $110 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,098
• Using low deductibles bumps up the cost to $1,304
• Drivers who are prone to accidents and violations could pay upwards of $2,368 or more
• The price that insures a 16-year-old driver may cost $4,344

View Chart as Image

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 $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,300 a year. View Rates by Age

The state you live in also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find prices as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,560 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $320 annually, 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 $414 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

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 Find the Best Cheap Jeep Patriot Insurance

Getting lower rates on insurance for a Jeep Patriot consists of being a low-risk driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,270 more each year to insure their Patriot
• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• Insureds who require more liability coverage will pay an extra $510 per year to raise from a low limit to the 250/500 level