Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,098 a year including full coverage. Comprehensive costs an estimated $188 each year, collision insurance costs $292, and liability insurance is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,368. Teenage drivers cost the most to insure at up to $4,344 a year.

Average premium for full coverage: $1,098

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Patriot models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $655
• Raising to $1,000 deductibles will save approximately $110 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,098
• Using low deductibles bumps up the cost to $1,304
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,368
• Policy cost that insures a teen driver can cost as much as $4,344

View Chart as Image

Car insurance rates for a Jeep Patriot also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $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 be charged at least $4,300 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 $840 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,560 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $320 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. 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 Cheaper Jeep Patriot Insurance

Finding cheaper rates on Jeep Patriot insurance consists of having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a condensed summary of the data that was illustrated above.

• You may be able to save approximately $130 per year just by quoting online in advance
• Drivers who want additional liability coverage will pay an extra $510 per year to raise from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $362 each month if full coverage is purchased
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,270 more annually than a driver with a clean driving record