Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,074 a year for full coverage. Comprehensive costs around $180 each year, collision costs $272, and liability is $464. A liability-only policy costs around $514 a year, with high-risk insurance costing around $2,322. Teenage drivers cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Patriot models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Jeep Patriot insurance rates for additional coverage choices and driver risks.

• The best discount rate is $643
• Raising to $1,000 deductibles will save about $102 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,074
• Using low deductibles will increase the cost to $1,274
• Drivers who are prone to accidents and violations could pay at least $2,322 or more
• Policy cost for full coverage for a 16-year-old driver can be $4,284

View Chart as Image

Car insurance rates for a Jeep Patriot also range considerably based on your risk profile, the trim level of your Patriot, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,200 a year. View Rates by Age

Your home state 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,540 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $310 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Jeep Patriot Insurance

Finding cheaper rates on insurance for a Jeep Patriot consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a brief recap of the ideas that were presented in the illustrations above.

• Youthful drivers are the costliest to insure, costing up to $357 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,250 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers can save up to $120 per year simply by quoting online in advance