Jeep Patriot Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 10, 2024
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The average insurance rates for a Jeep Patriot are $1,074 a year with full coverage. Comprehensive insurance costs on average $180, collision costs $272, and liability coverage is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing $2,322 or more. 16-year-old drivers cost the most to insure at $4,284 a year or more.
Average premium for full coverage: $1,074
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Patriot models.
Price Range Variability
Using a middle-aged driver as an example, Jeep Patriot insurance rates go from the low end price of $514 for basic liability insurance to the much higher price of $2,322 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
The examples above demonstrate why everyone should get quotes based on a specific location, 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.
Rate Comparisons
The chart below details estimated Jeep Patriot insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $643
- Choosing higher $1,000 deductibles can save around $102 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,074
- Buying pricier low deductibles for comp and collision coverage will cost an additional $200 each year
- Drivers with multiple tickets or accidents could pay upwards of $2,322 or more
- Policy cost that insures a teenage driver for full coverage may cost $4,284 each year
Insurance rates for a Jeep Patriot also range considerably based on the model of your Patriot, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,800 extra every year, depending on your age. Jeep Patriot insurance for high-risk drivers ranges around 42% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age
Your home state plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or at least $1,460 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $974 | -$100 | -9.3% |
| Alaska | $826 | -$248 | -23.1% |
| Arizona | $894 | -$180 | -16.8% |
| Arkansas | $1,074 | -$0 | 0.0% |
| California | $1,228 | $154 | 14.3% |
| Colorado | $1,028 | -$46 | -4.3% |
| Connecticut | $1,108 | $34 | 3.2% |
| Delaware | $1,218 | $144 | 13.4% |
| Florida | $1,348 | $274 | 25.5% |
| Georgia | $992 | -$82 | -7.6% |
| Hawaii | $774 | -$300 | -27.9% |
| Idaho | $726 | -$348 | -32.4% |
| Illinois | $802 | -$272 | -25.3% |
| Indiana | $810 | -$264 | -24.6% |
| Iowa | $726 | -$348 | -32.4% |
| Kansas | $1,024 | -$50 | -4.7% |
| Kentucky | $1,468 | $394 | 36.7% |
| Louisiana | $1,594 | $520 | 48.4% |
| Maine | $664 | -$410 | -38.2% |
| Maryland | $888 | -$186 | -17.3% |
| Massachusetts | $862 | -$212 | -19.7% |
| Michigan | $1,870 | $796 | 74.1% |
| Minnesota | $900 | -$174 | -16.2% |
| Mississippi | $1,288 | $214 | 19.9% |
| Missouri | $954 | -$120 | -11.2% |
| Montana | $1,156 | $82 | 7.6% |
| Nebraska | $848 | -$226 | -21.0% |
| Nevada | $1,290 | $216 | 20.1% |
| New Hampshire | $774 | -$300 | -27.9% |
| New Jersey | $1,202 | $128 | 11.9% |
| New Mexico | $954 | -$120 | -11.2% |
| New York | $1,134 | $60 | 5.6% |
| North Carolina | $622 | -$452 | -42.1% |
| North Dakota | $882 | -$192 | -17.9% |
| Ohio | $742 | -$332 | -30.9% |
| Oklahoma | $1,106 | $32 | 3.0% |
| Oregon | $986 | -$88 | -8.2% |
| Pennsylvania | $1,026 | -$48 | -4.5% |
| Rhode Island | $1,436 | $362 | 33.7% |
| South Carolina | $976 | -$98 | -9.1% |
| South Dakota | $908 | -$166 | -15.5% |
| Tennessee | $942 | -$132 | -12.3% |
| Texas | $1,298 | $224 | 20.9% |
| Utah | $798 | -$276 | -25.7% |
| Vermont | $738 | -$336 | -31.3% |
| Virginia | $644 | -$430 | -40.0% |
| Washington | $832 | -$242 | -22.5% |
| West Virginia | $986 | -$88 | -8.2% |
| Wisconsin | $744 | -$330 | -30.7% |
| Wyoming | $958 | -$116 | -10.8% |
Opting for high physical damage deductibles can save as much as $310 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,020 | $85 |
| Jeep Patriot Sport 4WD | $1,048 | $87 |
| Jeep Patriot Limited 2WD | $1,104 | $92 |
| Jeep Patriot Limited 4WD | $1,130 | $94 |
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 |
|---|---|---|---|---|
| 2017 Jeep Patriot | $188 | $292 | $460 | $1,098 |
| 2016 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2014 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2013 Jeep Patriot | $158 | $214 | $478 | $1,008 |
| 2012 Jeep Patriot | $148 | $196 | $474 | $976 |
| 2009 Jeep Patriot | $132 | $156 | $460 | $906 |
| 2007 Jeep Patriot | $120 | $142 | $446 | $866 |
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 Cheaper Jeep Patriot Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.
The points below are a condensed summary of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 pay the highest rates, as much as $357 each month if full coverage is included
- Drivers with multiple at-fault accidents pay on average $1,250 more each year to insure a Jeep Patriot
- Increasing comprehensive and collision deductibles can save approximately $300 each year
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,284 |
| 20 | $2,474 |
| 30 | $1,098 |
| 40 | $1,074 |
| 50 | $986 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,274 |
| $250 | $1,182 |
| $500 | $1,074 |
| $1,000 | $972 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,074 |
| 50/100 | $1,223 |
| 100/300 | $1,339 |
| 250/500 | $1,640 |
| 100 CSL | $1,269 |
| 300 CSL | $1,524 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,050 |
| 20 | $3,942 |
| 30 | $2,348 |
| 40 | $2,322 |
| 50 | $2,222 |
| 60 | $2,202 |
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 | $55 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $41 |
| Advance Quote | $49 |
| Online Quote | $73 |
| Total Discounts | $431 |
Discounts are estimated and may not be available from every company or in every state.
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