Jeep Patriot Insurance Rates

The average auto insurance rates for a Jeep Patriot are $1,098 annually for full coverage insurance. Comprehensive costs around $188, collision costs $292, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,368. Teenage drivers cost the most to insure at $4,344 a year or more.

Average premium for full coverage: $1,098

Policy rates for type of insurance:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Patriot models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $655
• Drivers who choose higher $1,000 deductibles will pay about $110 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,098
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,304
• High-risk insureds who are prone to accidents and violations could pay at least $2,368 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $4,344 a year

View Chart as Image

Car 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.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,300 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 extra every year, depending on your age. Jeep Patriot insurance for high-risk drivers can cost around 41% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $320 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,480 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy More Affordable Jeep Patriot Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a summary of the data that was touched on above.

• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Consumers who may need increased levels of liability coverage will pay an extra $510 annually to go from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, possibly costing $362 each month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,270 more every year to buy Jeep Patriot insurance