Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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The average auto insurance rates for a Jeep Patriot are $1,074 annually for full coverage insurance. Comprehensive insurance costs around $180 a year, collision insurance costs $272, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,322 or more. 16-year-old drivers cost the most to insure at up to $4,284 a year.

Average premium for full coverage: $1,074

Policy rates for type of insurance:

Comprehensive $180
Collision $272
Liability $464

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Patriot trim levels.

Price Range Variability

For a driver in their 40's, Jeep Patriot insurance rates range from as cheap as $514 for a discount liability-only rate to a high of $2,322 for a driver who has had serious violations or accidents.

Liability Only $514
Full Coverage $1,074
High Risk $2,322

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $806
Small Cities $1,128
Large Cities $1,450

The examples above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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.

Rates by State, City, and Model

The chart below illustrates average Jeep Patriot insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $643
  • Drivers who choose higher $1,000 deductibles will pay about $972 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,074
  • Buying low $100 deductibles for comprehensive and collision insurance costs an additional $200 annually
  • Drivers with multiple tickets or accidents could pay at least $2,322
  • Policy cost with full coverage for a 16-year-old driver can be $4,284 a year

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing Jeep Patriot insurance prices range from $643 to $4,284 for full coverage

Auto insurance rates for a Jeep Patriot also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $310 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Patriot insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,460 on average in Michigan, New York, and Florida.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $974 -$100 -9.3%
Alaska $826 -$248 -23.1%
Arizona $894 -$180 -16.8%
Arkansas $1,074 -$0 0.0%
California $1,228 $154 14.3%
Colorado $1,028 -$46 -4.3%
Connecticut $1,108 $34 3.2%
Delaware $1,218 $144 13.4%
Florida $1,348 $274 25.5%
Georgia $992 -$82 -7.6%
Hawaii $774 -$300 -27.9%
Idaho $726 -$348 -32.4%
Illinois $802 -$272 -25.3%
Indiana $810 -$264 -24.6%
Iowa $726 -$348 -32.4%
Kansas $1,024 -$50 -4.7%
Kentucky $1,468 $394 36.7%
Louisiana $1,594 $520 48.4%
Maine $664 -$410 -38.2%
Maryland $888 -$186 -17.3%
Massachusetts $862 -$212 -19.7%
Michigan $1,870 $796 74.1%
Minnesota $900 -$174 -16.2%
Mississippi $1,288 $214 19.9%
Missouri $954 -$120 -11.2%
Montana $1,156 $82 7.6%
Nebraska $848 -$226 -21.0%
Nevada $1,290 $216 20.1%
New Hampshire $774 -$300 -27.9%
New Jersey $1,202 $128 11.9%
New Mexico $954 -$120 -11.2%
New York $1,134 $60 5.6%
North Carolina $622 -$452 -42.1%
North Dakota $882 -$192 -17.9%
Ohio $742 -$332 -30.9%
Oklahoma $1,106 $32 3.0%
Oregon $986 -$88 -8.2%
Pennsylvania $1,026 -$48 -4.5%
Rhode Island $1,436 $362 33.7%
South Carolina $976 -$98 -9.1%
South Dakota $908 -$166 -15.5%
Tennessee $942 -$132 -12.3%
Texas $1,298 $224 20.9%
Utah $798 -$276 -25.7%
Vermont $738 -$336 -31.3%
Virginia $644 -$430 -40.0%
Washington $832 -$242 -22.5%
West Virginia $986 -$88 -8.2%
Wisconsin $744 -$330 -30.7%
Wyoming $958 -$116 -10.8%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Jeep Patriot Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Patriot Sport 2WD $1,020 $85
Jeep Patriot Sport 4WD $1,048 $87
Jeep Patriot Limited 2WD $1,104 $92
Jeep Patriot Limited 4WD $1,130 $94

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.

Jeep Patriot Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Jeep Patriot $188 $292 $460 $1,098
2016 Jeep Patriot $180 $272 $464 $1,074
2014 Jeep Patriot $164 $236 $474 $1,032
2013 Jeep Patriot $158 $214 $478 $1,008
2012 Jeep Patriot $148 $196 $474 $976
2009 Jeep Patriot $132 $156 $460 $906
2007 Jeep Patriot $120 $142 $446 $866

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 Buy the Cheapest Jeep Patriot Insurance

Finding cheaper rates on insurance for a Jeep Patriot not only requires being a low-risk driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a recap of the ideas that were covered in the charts and tables above.

  • Teen drivers are expensive to insure, possibly costing $357 each month if full coverage is included
  • Drivers considered higher risk that have major violations or accidents pay on average $1,250 more every year to insure their Patriot
  • Increasing comprehensive and collision deductibles could save up to $300 each year
  • It is possible to save up to $120 per year just by quoting early and online

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,284
20 $2,474
30 $1,098
40 $1,074
50 $986
60 $966

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,074
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,074
50/100 $1,223
100/300 $1,339
250/500 $1,640
100 CSL $1,269
300 CSL $1,524
500 CSL $1,710

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,050
20 $3,942
30 $2,348
40 $2,322
50 $2,222
60 $2,202

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.

SR-22 Surcharge $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $18
5-yr Accident Free $69
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $49
Online Quote $73
Total Discounts $431
Rate after discounts $643

Discounts are estimated and may not be available from every company or in every state.

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