Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,098 a year for full coverage insurance. Comprehensive costs on average $188 a year, collision costs $292, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,368. Teenage drivers cost the most to insure at $4,344 a year or more.

Average premium for full coverage: $1,098

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Jeep Patriot insurance rates for different risk profiles and scenarios.

• The best discount rate is $655
• Drivers who choose higher $1,000 deductibles will pay around $988 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,098
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,304
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,368 or more
• Policy cost that insures a teenage driver may cost $4,344 a year

View Chart as Image

Auto insurance rates for a Jeep Patriot also range considerably based on the trim level of your Patriot, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,300 a year. View Rates by Age

Your home state makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,480 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $320 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Affordable Jeep Patriot Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions may pay on average $1,270 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teenage drivers are charged the highest rates, possibly costing $362 each month if the policy includes full coverage