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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Average insurance rates for a Jeep Patriot are $1,074 a year for full coverage. Comprehensive insurance costs approximately $180 each year, collision costs $272, and liability is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing $2,322 or more. 16-year-old drivers receive the highest rates at $4,284 a year or more.
Average premium for full coverage: $1,074
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Patriot models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $514 for a discount liability-only rate to a high rate of $2,322 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location, instead of 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 shows estimated Jeep Patriot insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $643
- Raising to $1,000 deductibles will save $102 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,074
- Buying low deductibles will cost an additional $200 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,322 or more
- The cost that insures a teen driver can cost $4,284
Insurance rates for a Jeep Patriot can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,300 to $1,800 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age
Where you live also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find rates as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,540 on average in New York, Louisiana, and Michigan.
| 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 reduce rates by up to $310 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
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
Saving money on car insurance consists of being a good driver, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a condensed summary of the data touched on in this article.
- Policyholders who purchase an increased level of liability coverage will pay around $510 each year to raise from a minimum limit to the 250/500 level
- Drivers can save around $120 per year simply by quoting online in advance
- Increasing deductibles can save approximately $300 each year
- Drivers age 16 to 20 are the costliest to insure, costing as high as $357 per month if comprehensive and collision insurance is included
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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