Jeep Patriot Insurance Rates

The average insurance prices for a Jeep Patriot are $1,098 every 12 months with full coverage. Comprehensive costs an estimated $188 a year, collision costs $292, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,368. 16-year-old drivers cost the most to insure at $4,344 a year or more.

Average premium for full coverage: $1,098

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

The chart below details estimated Jeep Patriot insurance rates for other coverage scenarios.

• The best full coverage rate is $655
• Drivers who choose higher $1,000 deductibles will pay approximately $988 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,098
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,304
• High-risk insureds with multiple tickets or accidents could pay up to $2,368 or more
• Policy cost to insure a teenage driver can cost as much as $4,344 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $320 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or at least $1,480 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Every company utilizes a different rate formula, and 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 More Affordable Jeep Patriot Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

Below is a summary of the material that was touched on in this article.

• Consumers who want higher levels of liability will pay around $510 every year to go from a 30/60 limit to a 250/500 level
• Teenage drivers are expensive to insure, as much as $362 each month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $1,270 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year