Jeep Patriot Insurance Rates

The average insurance prices for a Jeep Patriot are $1,074 every 12 months including full coverage. Comprehensive insurance costs approximately $180 a year, collision costs $272, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $2,322 or more. Teenage drivers cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates by type of insurance:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Jeep Patriot insurance rates for additional coverage and risk scenarios.

• The best discount rate is $643
• Using higher $1,000 deductibles will save $972 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,074
• Using low $100 deductibles for physical damage coverage costs an extra $200 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,322 or more
• Policy cost to insure a teenage driver can cost $4,284 or more

View Chart as Image

Auto insurance rates for a Jeep Patriot also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Patriot.

Using high physical damage deductibles could cut rates by as much as $310 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Jeep Patriot insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,540 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Right Jeep Patriot Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the ideas that were covered above.

• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $357 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be charged and average of $1,250 more per year to buy Jeep Patriot insurance
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save around $120 per year simply by quoting early and online