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 insurance prices for a Jeep Patriot are $1,098 every 12 months with full coverage. Comprehensive insurance costs around $188, collision insurance costs $292, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,368 or more. 16-year-old drivers cost the most to insure at up to $4,344 a year.
Average premium for full coverage: $1,098
Policy rates for type of insurance:
Includes $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Patriot trim levels.
Price Range Variability
Using a middle-aged driver as an example, Jeep Patriot insurance rates range from the cheapest price of $510 for minimum levels of liability insurance to a much higher rate of $2,368 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.
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 Rate Details
The chart below details average Jeep Patriot insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $655
- Raising to $1,000 deductibles will save about $110 annually
- The average price for a good driver age 40 using $500 deductibles is $1,098
- Buying more expensive low deductibles costs an extra $206 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,368
- Policy cost to insure a teen driver with full coverage can be $4,344
Auto insurance rates for a Jeep Patriot also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $320 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $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 at least $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 132% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find rates as low as $790 a year in states like New Hampshire, Ohio, and Utah, or at least $1,480 on average in Florida, Michigan, and New York.
| 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 Shop for the Cheapest Jeep Patriot Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from several local insurance agents.
The following is a recap of the information touched on in the above illustrations.
- You may be able to save up to $130 per year just by shopping early and online
- Teens are expensive to insure, as much as $362 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- Higher risk drivers that have major violations or accidents pay on average $1,270 more every year for Patriot insurance
- Policyholders who may need higher liability limits will pay around $510 every year to raise from a 30/60 limit to a 250/500 level
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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