Jeep Patriot Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Dec 13, 2019
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Estimated auto insurance rates for a Jeep Patriot are $1,246 annually including full coverage. Comprehensive costs an estimated $240 each year, collision insurance costs $418, and liability insurance costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $2,692. Teenage drivers pay the most at up to $4,776 a year.
Average premium for full coverage: $1,246
Premium estimates broken down by type of coverage:
Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Patriot models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Jeep Patriot range from as cheap as $486 for basic liability insurance to a high rate of $2,692 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.
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.
Rate Comparisons
The chart below breaks down average Jeep Patriot insurance rates for other coverage scenarios.
- The best discount rate is $728
- Using higher $1,000 deductibles will save approximately $150 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,246
- Using low deductibles for physical damage coverage will cost $1,536
- Drivers who are prone to accidents and violations could pay up to $2,692
- An auto insurance policy with full coverage for a teen driver can cost as much as $4,776 or more
Insurance prices for a Jeep Patriot also have a wide range based on the model of your Patriot, your driving characteristics, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $440 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $956 | -$290 | -23.3% |
| Arizona | $1,034 | -$212 | -17.0% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,418 | $172 | 13.8% |
| Colorado | $1,190 | -$56 | -4.5% |
| Connecticut | $1,282 | $36 | 2.9% |
| Delaware | $1,410 | $164 | 13.2% |
| Florida | $1,556 | $310 | 24.9% |
| Georgia | $1,148 | -$98 | -7.9% |
| Hawaii | $894 | -$352 | -28.3% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $928 | -$318 | -25.5% |
| Indiana | $938 | -$308 | -24.7% |
| Iowa | $840 | -$406 | -32.6% |
| Kansas | $1,186 | -$60 | -4.8% |
| Kentucky | $1,698 | $452 | 36.3% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $768 | -$478 | -38.4% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $998 | -$248 | -19.9% |
| Michigan | $2,164 | $918 | 73.7% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,106 | -$140 | -11.2% |
| Montana | $1,340 | $94 | 7.5% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,492 | $246 | 19.7% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,394 | $148 | 11.9% |
| New Mexico | $1,102 | -$144 | -11.6% |
| New York | $1,312 | $66 | 5.3% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,020 | -$226 | -18.1% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,280 | $34 | 2.7% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,188 | -$58 | -4.7% |
| Rhode Island | $1,660 | $414 | 33.2% |
| South Carolina | $1,126 | -$120 | -9.6% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,092 | -$154 | -12.4% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $922 | -$324 | -26.0% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $746 | -$500 | -40.1% |
| Washington | $962 | -$284 | -22.8% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $864 | -$382 | -30.7% |
| Wyoming | $1,108 | -$138 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,166 | $97 |
| Jeep Patriot Sport 4WD | $1,206 | $101 |
| Jeep Patriot Limited 2WD | $1,284 | $107 |
| Jeep Patriot Limited 4WD | $1,324 | $110 |
Rates assume 2017 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 | $240 | $418 | $430 | $1,246 |
| 2016 Jeep Patriot | $226 | $404 | $442 | $1,230 |
| 2015 Jeep Patriot | $218 | $374 | $452 | $1,202 |
| 2014 Jeep Patriot | $208 | $352 | $456 | $1,174 |
| 2013 Jeep Patriot | $200 | $316 | $460 | $1,134 |
| 2012 Jeep Patriot | $188 | $292 | $460 | $1,098 |
| 2011 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2010 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2009 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2008 Jeep Patriot | $158 | $214 | $478 | $1,008 |
| 2007 Jeep Patriot | $148 | $196 | $474 | $976 |
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 Right Jeep Patriot Insurance
Finding better rates on Jeep Patriot insurance requires being a low-risk driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save approximately $150 per year just by quoting online in advance
- Increasing policy deductibles could save up to $450 each year
- Teen drivers are expensive to insure, with the cost nearing $398 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,450 more annually to insure their Patriot
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,776 |
| 20 | $2,876 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,400 |
| $500 | $1,246 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,410 |
| 100/300 | $1,518 |
| 250/500 | $1,797 |
| 100 CSL | $1,453 |
| 300 CSL | $1,690 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,786 |
| 20 | $4,578 |
| 30 | $2,740 |
| 40 | $2,692 |
| 50 | $2,574 |
| 60 | $2,550 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $54 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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