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 $1,074 a year for full coverage. Comprehensive costs an estimated $180, collision costs $272, and liability coverage is $464. A liability-only policy costs around $514 a year, with high-risk insurance costing around $2,322. Teen drivers receive the highest rates at $4,284 a year or more.
Average premium for full coverage: $1,074
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Patriot models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $514 for the bare minimum liability coverage to the much higher price of $2,322 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates the effect of geographic area on insurance prices.
These examples show why everyone should compare rates quotes for a targeted area, rather than using price 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.
Additional Rate Information
The chart below shows estimated Jeep Patriot insurance rates for other coverage scenarios.
- The lowest rate with discounts is $643
- Raising to $1,000 deductibles will save approximately $102 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,074
- Choosing pricier low deductibles bumps up the cost to $1,274
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,322 or more
- The cost that insures a teenage driver for full coverage can cost as much as $4,284
Insurance rates for a Jeep Patriot can also vary considerably based on the model of your Patriot, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,300 to $1,800 extra per year, depending on your age. Jeep Patriot insurance for high-risk drivers is expensive and can cost around 42% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age
Where you live also has a big influence on Jeep Patriot insurance rates. A middle-age driver might find rates as low as $710 a year in states like Iowa, Maine, and Idaho, or as much as $1,540 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $310 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Jeep Patriot Insurance
Saving money on auto insurance consists of having a decent driving record, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the concepts that were covered in the above illustrations.
- Drivers who tend to receive serious violations may pay on average $1,250 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $357 per month if full coverage is included
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $300 each year
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,274 |
| $250 | $1,182 |
| $500 | $1,074 |
| $1,000 | $972 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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