Jeep Patriot Insurance Rates
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UPDATED: May 10, 2024
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Estimated auto insurance rates for a Jeep Patriot are $1,098 annually with full coverage. Comprehensive costs approximately $188, collision insurance costs $292, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,368. Teens pay the most at up to $4,344 a year.
Average premium for full coverage: $1,098
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Patriot trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Jeep Patriot range from as cheap as $510 for liability-only coverage to a much higher rate of $2,368 for a high-risk driver policy.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.
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 Charts and Tables
The chart below details average Jeep Patriot insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $655
- Drivers who choose higher $1,000 deductibles will pay $110 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,098
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,304
- Drivers with serious driving violations could pay around $2,368
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,344 a year
Insurance prices for a Jeep Patriot also have a wide range based on the model of your Patriot, your driving record, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost from 41% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $320 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Jeep Patriot insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,480 on average in New York, Michigan, and Florida.
| 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 Buy the Best Cheap Jeep Patriot Insurance
Finding better rates on insurance for a Jeep Patriot not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and possibly raising deductibles. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a quick review of the information touched on in this article.
- You may be able to save around $130 per year just by shopping early and online
- Drivers under the age of 20 are expensive to insure, possibly costing $362 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $325 each year
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,270 more per year to insure a Jeep Patriot
- Insureds who purchase increased liability limits will pay approximately $510 every year to go from 30/60 bodily injury limits to higher 250/500 limits
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.
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