Jeep Patriot Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 10, 2024
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Average insurance rates for a Jeep Patriot are $1,098 a year for full coverage. Comprehensive insurance costs on average $188 a year, collision insurance costs $292, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,368 or more. Teenage drivers receive the highest rates at up to $4,344 a year.
Average premium for full coverage: $1,098
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Patriot trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $510 for the bare minimum liability coverage to a high of $2,368 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.
These examples show why it is important to get quotes based on a specific location and risk profile, 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.
Additional Rate Information
The chart below shows average Jeep Patriot insurance rates for different risk profiles and scenarios.
- The best discount rate is $655
- Choosing higher $1,000 deductibles can save around $988 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,098
- Using low $100 deductibles for comp and collision coverage will cost an extra $206 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,368
- The cost for full coverage for a teen driver may cost $4,344 each year
Auto insurance rates for a Jeep Patriot can also vary considerably based on your driver profile, the trim level of your Patriot, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Patriot insurance prices. A good driver about age 40 could pay as low as $720 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,560 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $992 | -$106 | -9.7% |
| Alaska | $842 | -$256 | -23.3% |
| Arizona | $912 | -$186 | -16.9% |
| Arkansas | $1,098 | -$0 | 0.0% |
| California | $1,250 | $152 | 13.8% |
| Colorado | $1,048 | -$50 | -4.6% |
| Connecticut | $1,128 | $30 | 2.7% |
| Delaware | $1,242 | $144 | 13.1% |
| Florida | $1,372 | $274 | 25.0% |
| Georgia | $1,010 | -$88 | -8.0% |
| Hawaii | $786 | -$312 | -28.4% |
| Idaho | $742 | -$356 | -32.4% |
| Illinois | $816 | -$282 | -25.7% |
| Indiana | $824 | -$274 | -25.0% |
| Iowa | $738 | -$360 | -32.8% |
| Kansas | $1,042 | -$56 | -5.1% |
| Kentucky | $1,498 | $400 | 36.4% |
| Louisiana | $1,620 | $522 | 47.5% |
| Maine | $678 | -$420 | -38.3% |
| Maryland | $904 | -$194 | -17.7% |
| Massachusetts | $878 | -$220 | -20.0% |
| Michigan | $1,904 | $806 | 73.4% |
| Minnesota | $918 | -$180 | -16.4% |
| Mississippi | $1,312 | $214 | 19.5% |
| Missouri | $972 | -$126 | -11.5% |
| Montana | $1,176 | $78 | 7.1% |
| Nebraska | $866 | -$232 | -21.1% |
| Nevada | $1,316 | $218 | 19.9% |
| New Hampshire | $790 | -$308 | -28.1% |
| New Jersey | $1,226 | $128 | 11.7% |
| New Mexico | $972 | -$126 | -11.5% |
| New York | $1,154 | $56 | 5.1% |
| North Carolina | $632 | -$466 | -42.4% |
| North Dakota | $898 | -$200 | -18.2% |
| Ohio | $758 | -$340 | -31.0% |
| Oklahoma | $1,126 | $28 | 2.6% |
| Oregon | $1,004 | -$94 | -8.6% |
| Pennsylvania | $1,046 | -$52 | -4.7% |
| Rhode Island | $1,464 | $366 | 33.3% |
| South Carolina | $994 | -$104 | -9.5% |
| South Dakota | $926 | -$172 | -15.7% |
| Tennessee | $960 | -$138 | -12.6% |
| Texas | $1,322 | $224 | 20.4% |
| Utah | $812 | -$286 | -26.0% |
| Vermont | $750 | -$348 | -31.7% |
| Virginia | $656 | -$442 | -40.3% |
| Washington | $848 | -$250 | -22.8% |
| West Virginia | $1,004 | -$94 | -8.6% |
| Wisconsin | $760 | -$338 | -30.8% |
| Wyoming | $978 | -$120 | -10.9% |
Using high physical damage deductibles can save as much as $320 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 132% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,038 | $87 |
| Jeep Patriot Sport 4WD | $1,068 | $89 |
| Jeep Patriot Limited 2WD | $1,124 | $94 |
| Jeep Patriot Limited 4WD | $1,154 | $96 |
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 |
|---|---|---|---|---|
| 2017 Jeep Patriot | $200 | $316 | $460 | $1,134 |
| 2016 Jeep Patriot | $188 | $292 | $460 | $1,098 |
| 2014 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2013 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2012 Jeep Patriot | $158 | $214 | $478 | $1,008 |
| 2009 Jeep Patriot | $134 | $160 | $468 | $920 |
| 2007 Jeep Patriot | $130 | $150 | $452 | $890 |
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 Jeep Patriot Insurance
Saving money on car insurance takes being a low-risk driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The items below are a brief recap of the ideas that were touched on in the above illustrations.
- Teen drivers are charged the highest rates, costing as high as $362 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations will pay on average $1,270 more each year to insure their Patriot
- Increasing deductibles can save around $325 each year
- Drivers can save as much as $130 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,344 |
| 20 | $2,522 |
| 30 | $1,122 |
| 40 | $1,098 |
| 50 | $1,004 |
| 60 | $984 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,208 |
| $500 | $1,098 |
| $1,000 | $988 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,098 |
| 50/100 | $1,246 |
| 100/300 | $1,361 |
| 250/500 | $1,660 |
| 100 CSL | $1,292 |
| 300 CSL | $1,545 |
| 500 CSL | $1,729 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,140 |
| 20 | $4,018 |
| 30 | $2,396 |
| 40 | $2,368 |
| 50 | $2,264 |
| 60 | $2,244 |
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 | $56 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $43 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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