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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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
For the normal driver, Jeep Patriot insurance rates go from as low as $514 for just the minimum liability insurance to a high rate of $2,322 for a driver who has had serious violations or accidents.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
| 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% |

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
| 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 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
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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