Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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U.S. average auto insurance rates for a Jeep Patriot are $1,098 annually with full coverage. Comprehensive costs an estimated $188, collision costs $292, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,368. Teen drivers pay the highest rates at $4,344 a year or more.

Average premium for full coverage: $1,098

Price estimates broken down by individual coverage:

Comprehensive $188
Collision $292
Liability $460

Prices include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Patriot models.

Price Range from Low to High

For the average 40-year-old driver, Jeep Patriot insurance prices go from as cheap as $510 for just liability coverage to the much higher price of $2,368 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,098
High Risk $2,368

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $824
Small Cities $1,153
Large Cities $1,482

The ranges above demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on 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.

Detailed Rate Analysis

The chart below details estimated Jeep Patriot insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $655
  • Using higher $1,000 deductibles will save approximately $110 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,098
  • Choosing pricier low deductibles for physical damage coverage will cost $1,304
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,368 or more
  • The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,344 or more

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing full coverage Jeep Patriot insurance rates range from $655 to $4,344

Insurance prices for a Jeep Patriot are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,300 to $1,800 additional each year, depending on your age. Jeep Patriot insurance for high-risk drivers can be from 41% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $320 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Jeep Patriot insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,480 on average in New York, Michigan, and Florida.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $992 -$106 -9.7%
Alaska $842 -$256 -23.3%
Arizona $912 -$186 -16.9%
Arkansas $1,098 -$0 0.0%
California $1,250 $152 13.8%
Colorado $1,048 -$50 -4.6%
Connecticut $1,128 $30 2.7%
Delaware $1,242 $144 13.1%
Florida $1,372 $274 25.0%
Georgia $1,010 -$88 -8.0%
Hawaii $786 -$312 -28.4%
Idaho $742 -$356 -32.4%
Illinois $816 -$282 -25.7%
Indiana $824 -$274 -25.0%
Iowa $738 -$360 -32.8%
Kansas $1,042 -$56 -5.1%
Kentucky $1,498 $400 36.4%
Louisiana $1,620 $522 47.5%
Maine $678 -$420 -38.3%
Maryland $904 -$194 -17.7%
Massachusetts $878 -$220 -20.0%
Michigan $1,904 $806 73.4%
Minnesota $918 -$180 -16.4%
Mississippi $1,312 $214 19.5%
Missouri $972 -$126 -11.5%
Montana $1,176 $78 7.1%
Nebraska $866 -$232 -21.1%
Nevada $1,316 $218 19.9%
New Hampshire $790 -$308 -28.1%
New Jersey $1,226 $128 11.7%
New Mexico $972 -$126 -11.5%
New York $1,154 $56 5.1%
North Carolina $632 -$466 -42.4%
North Dakota $898 -$200 -18.2%
Ohio $758 -$340 -31.0%
Oklahoma $1,126 $28 2.6%
Oregon $1,004 -$94 -8.6%
Pennsylvania $1,046 -$52 -4.7%
Rhode Island $1,464 $366 33.3%
South Carolina $994 -$104 -9.5%
South Dakota $926 -$172 -15.7%
Tennessee $960 -$138 -12.6%
Texas $1,322 $224 20.4%
Utah $812 -$286 -26.0%
Vermont $750 -$348 -31.7%
Virginia $656 -$442 -40.3%
Washington $848 -$250 -22.8%
West Virginia $1,004 -$94 -8.6%
Wisconsin $760 -$338 -30.8%
Wyoming $978 -$120 -10.9%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different between companies.

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 $1,038 $87
Jeep Patriot Sport 4WD $1,068 $89
Jeep Patriot Limited 2WD $1,124 $94
Jeep Patriot Limited 4WD $1,154 $96

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.

Jeep Patriot Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Jeep Patriot $200 $316 $460 $1,134
2016 Jeep Patriot $188 $292 $460 $1,098
2014 Jeep Patriot $176 $254 $474 $1,062
2013 Jeep Patriot $164 $236 $474 $1,032
2012 Jeep Patriot $158 $214 $478 $1,008
2009 Jeep Patriot $134 $160 $468 $920
2007 Jeep Patriot $130 $150 $452 $890

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

Getting lower rates on insurance for a Jeep Patriot requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the car insurance concepts touched on in this article.

  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,270 more annually for Patriot insurance
  • You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $325 each year
  • Insureds who want higher liability limits will pay about $510 every year to increase from a low limit to higher 250/500 limits

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,344
20 $2,522
30 $1,122
40 $1,098
50 $1,004
60 $984

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,208
$500 $1,098
$1,000 $988

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,098
50/100 $1,246
100/300 $1,361
250/500 $1,660
100 CSL $1,292
300 CSL $1,545
500 CSL $1,729

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,018
30 $2,396
40 $2,368
50 $2,264
60 $2,244

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 $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $75
Total Discounts $443
Rate after discounts $655

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

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