Jeep Patriot Insurance Rates

Estimated insurance prices for a Jeep Patriot are $1,074 every 12 months for full coverage insurance. Comprehensive costs on average $180, collision costs $272, and liability costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing around $2,322. Teenage drivers pay the most at $4,284 a year or more.

Average premium for full coverage: $1,074

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Patriot trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $643
• Using higher $1,000 deductibles will save around $102 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,074
• Using more expensive low deductibles for physical damage coverage increases the price to $1,274
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,322 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $4,284 or more

View Chart as Image

Auto insurance prices for a Jeep Patriot also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Patriot.

Using high physical damage deductibles could cut prices by as much as $310 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. High-risk driver insurance can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Jeep Patriot insurance prices. A driver around age 40 might see prices as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,460 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Shop for the Best Jeep Patriot Insurance

Finding better rates on insurance for a Jeep Patriot requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at least once a year by getting quotes from direct insurance companies, and also from several local insurance agents.

The points below are a brief recap of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $120 per year simply by shopping early and online
• Drivers considered higher risk who tend to receive serious violations pay on average $1,250 more each year to insure a Jeep Patriot
• Increasing policy deductibles could save as much as $300 each year
• Drivers under the age of 20 are charged the highest prices, with premiums being up to $357 per month if comprehensive and collision insurance is included