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Jeep Patriot Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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:

Comprehensive $240
Collision $418
Liability $430

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.

Liability Only $486
Full Coverage $1,246
High Risk $2,692

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.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

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

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing Jeep Patriot insurance rates range from $728 to $4,776 for full coverage

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.

Jeep Patriot Insurance Rates by State
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%

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 $1,166 $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.

Jeep Patriot Insurance Rates by Model Year
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

Rates by Driver Age

Jeep Patriot Insurance 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

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,536
$250 $1,400
$500 $1,246
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
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

Jeep Patriot Insurance 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.

SR-22 Surcharge $172

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
Rate after discounts $728

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

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