Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,074 a year for full coverage. Comprehensive costs on average $180 a year, collision costs $272, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing around $2,322. Teen drivers cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to compare prices based on a specific location, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $643
• Using higher $1,000 deductibles will save around $972 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,074
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,274
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,322 or more
• Policy cost that insures a teenage driver may cost $4,284 or more

View Chart as Image

Insurance rates for a Jeep Patriot also range considerably based on the trim level of your Patriot, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,200 a year. View Rates by Age

Your home state has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,540 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $310 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

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 Right Jeep Patriot Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a quick rundown of the primary concepts that were covered above.

• Drivers can save as much as $120 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions may pay on average $1,250 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $357 each month if comprehensive and collision insurance is included