Jeep Patriot Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Jeep Patriot are $1,134 a year including full coverage. Comprehensive insurance costs on average $200, collision insurance costs $316, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,450 or more. 16-year-old drivers pay the highest rates at up to $4,464 a year.
Average premium for full coverage: $1,134
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Patriot models.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Patriot insurance prices range from as low as $510 for a discount liability-only rate to the much higher price of $2,450 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than using 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 breaks down average Jeep Patriot insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $673
- Raising to $1,000 deductibles will save around $118 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,134
- Buying pricier low deductibles will cost an extra $226 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,450
- The price for full coverage for a teenage driver for full coverage may cost $4,464
Auto insurance prices for a Jeep Patriot are also quite variable based on your driving record, the model of your Patriot, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,400 a year. View Rates by Age
The state you live in also has a big influence on Jeep Patriot insurance rates. A middle-age driver might find prices as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,620 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,026 | -$108 | -9.5% |
| Alaska | $870 | -$264 | -23.3% |
| Arizona | $942 | -$192 | -16.9% |
| Arkansas | $1,134 | -$0 | 0.0% |
| California | $1,292 | $158 | 13.9% |
| Colorado | $1,086 | -$48 | -4.2% |
| Connecticut | $1,168 | $34 | 3.0% |
| Delaware | $1,284 | $150 | 13.2% |
| Florida | $1,420 | $286 | 25.2% |
| Georgia | $1,046 | -$88 | -7.8% |
| Hawaii | $816 | -$318 | -28.0% |
| Idaho | $768 | -$366 | -32.3% |
| Illinois | $846 | -$288 | -25.4% |
| Indiana | $852 | -$282 | -24.9% |
| Iowa | $766 | -$368 | -32.5% |
| Kansas | $1,078 | -$56 | -4.9% |
| Kentucky | $1,548 | $414 | 36.5% |
| Louisiana | $1,678 | $544 | 48.0% |
| Maine | $702 | -$432 | -38.1% |
| Maryland | $938 | -$196 | -17.3% |
| Massachusetts | $908 | -$226 | -19.9% |
| Michigan | $1,972 | $838 | 73.9% |
| Minnesota | $950 | -$184 | -16.2% |
| Mississippi | $1,360 | $226 | 19.9% |
| Missouri | $1,006 | -$128 | -11.3% |
| Montana | $1,218 | $84 | 7.4% |
| Nebraska | $896 | -$238 | -21.0% |
| Nevada | $1,362 | $228 | 20.1% |
| New Hampshire | $818 | -$316 | -27.9% |
| New Jersey | $1,270 | $136 | 12.0% |
| New Mexico | $1,006 | -$128 | -11.3% |
| New York | $1,196 | $62 | 5.5% |
| North Carolina | $654 | -$480 | -42.3% |
| North Dakota | $930 | -$204 | -18.0% |
| Ohio | $784 | -$350 | -30.9% |
| Oklahoma | $1,166 | $32 | 2.8% |
| Oregon | $1,040 | -$94 | -8.3% |
| Pennsylvania | $1,082 | -$52 | -4.6% |
| Rhode Island | $1,514 | $380 | 33.5% |
| South Carolina | $1,028 | -$106 | -9.3% |
| South Dakota | $958 | -$176 | -15.5% |
| Tennessee | $994 | -$140 | -12.3% |
| Texas | $1,368 | $234 | 20.6% |
| Utah | $840 | -$294 | -25.9% |
| Vermont | $776 | -$358 | -31.6% |
| Virginia | $680 | -$454 | -40.0% |
| Washington | $878 | -$256 | -22.6% |
| West Virginia | $1,040 | -$94 | -8.3% |
| Wisconsin | $786 | -$348 | -30.7% |
| Wyoming | $1,012 | -$122 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $350 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. Jeep Patriot insurance for high-risk drivers is expensive and can cost around 43% to 138% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,072 | $89 |
| Jeep Patriot Sport 4WD | $1,104 | $92 |
| Jeep Patriot Limited 2WD | $1,166 | $97 |
| Jeep Patriot Limited 4WD | $1,196 | $100 |
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 |
|---|---|---|---|---|
| 2016 Jeep Patriot | $200 | $316 | $460 | $1,134 |
| 2014 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2013 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2012 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2009 Jeep Patriot | $140 | $178 | $474 | $950 |
| 2007 Jeep Patriot | $132 | $156 | $460 | $906 |
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 Affordable Jeep Patriot Insurance
Getting lower rates on auto insurance consists of having a good driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
- Drivers with DUI or reckless driving convictions may pay on average $1,320 more each year to buy Jeep Patriot insurance
- Increasing physical damage deductibles can save around $350 each year
- Drivers age 20 and younger are charged the highest prices, possibly costing $372 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,464 |
| 20 | $2,610 |
| 30 | $1,164 |
| 40 | $1,134 |
| 50 | $1,040 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,256 |
| $500 | $1,134 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,134 |
| 50/100 | $1,288 |
| 100/300 | $1,403 |
| 250/500 | $1,702 |
| 100 CSL | $1,334 |
| 300 CSL | $1,587 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,318 |
| 20 | $4,160 |
| 30 | $2,484 |
| 40 | $2,450 |
| 50 | $2,344 |
| 60 | $2,322 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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