Jeep Patriot Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Jeep Patriot are $1,098 every 12 months including full coverage. Comprehensive costs on average $188 each year, collision insurance costs $292, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,368. 16-year-old drivers pay the most at up to $4,344 a year.
Average premium for full coverage: $1,098
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Patriot models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Jeep Patriot range from the cheapest price of $510 for a discount liability-only rate to a high rate of $2,368 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why all drivers should compare rates quotes based on a specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below breaks down average Jeep Patriot insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $655
- Raising to $1,000 deductibles will save around $110 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,098
- Buying low deductibles increases the price to $1,304
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,368
- An auto insurance policy to insure a teenage driver may cost $4,344
Insurance prices for a Jeep Patriot also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Patriot.
Opting for high physical damage deductibles can reduce prices by up to $320 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,800 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Jeep Patriot insurance rates. A middle-age driver might find prices as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,560 on average in Michigan, New York, and Louisiana.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Affordable Jeep Patriot Insurance
Finding better rates on auto insurance consists of avoiding accidents and violations, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The list below is a brief review of the data that was covered above.
- You may be able to save as much as $130 per year just by quoting online in advance
- Consumers who require higher liability limits will pay around $510 per year to raise from 30/60 bodily injury limits to a 250/500 level
- Teenagers pay higher prices, with the cost nearing $362 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,270 more each year for car insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,208 |
| $500 | $1,098 |
| $1,000 | $988 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
