Jeep Patriot Insurance Rates

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

Average premium for full coverage: $1,074

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM 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 has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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

More Rate Details

The chart below shows average Jeep Patriot insurance rates for other coverage scenarios.

• The best discount rate is $643
• Raising to $1,000 deductibles will save approximately $102 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,074
• Using low deductibles bumps up the cost to $1,274
• Unlucky drivers who are prone to accidents and violations could pay up to $2,322
• Policy cost that insures a teenage driver can cost as much as $4,284

View Chart as Image

Auto insurance rates for a Jeep Patriot also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months 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 at least $4,200 a year. View Rates by Age

Your home state also has a big influence on Jeep Patriot insurance rates. A middle-age driver might find rates as low as $710 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,540 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

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 Cheap Jeep Patriot Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief summary of the data that was covered in the above illustrations.

• Drivers can save approximately $120 per year just by quoting online in advance
• Consumers who want additional liability coverage will pay an extra $510 each year to raise from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, costing up to $357 each month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,250 more annually than a driver with a clean driving record