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 auto insurance rates for a Jeep Patriot are $1,098 annually for full coverage. Comprehensive costs an estimated $188, collision insurance costs $292, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,368. Teens 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:
Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Patriot trim levels.
Price Range Variability
For the average 40-year-old driver, Jeep Patriot insurance rates range from as cheap as $510 for just liability coverage to a much higher rate of $2,368 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.
The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below shows average Jeep Patriot insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $655
- Drivers who choose higher $1,000 deductibles will pay approximately $110 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,098
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,304
- Higher-risk drivers with serious driving violations could pay up to $2,368
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,344 a year
Insurance rates for a Jeep Patriot also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost as much as 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 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Jeep Patriot insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,560 on average in New York, Louisiana, and Michigan.
| 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 More Affordable Jeep Patriot Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a summary of the coverage data touched on in this article.
- Drivers can save approximately $130 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Drivers age 20 and younger are charged the highest rates, costing up to $362 each month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,270 more annually to buy Jeep Patriot insurance
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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