Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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Estimated insurance rates for a Jeep Patriot are $1,074 a year with full coverage. Comprehensive costs on average $180 a year, collision costs $272, and liability is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing around $2,322. Teen drivers pay the most at $4,284 a year or more.

Average premium for full coverage: $1,074

Premium estimates by type of coverage:

Comprehensive $180
Collision $272
Liability $464

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Patriot trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Jeep Patriot go from as low as $514 for the bare minimum liability coverage to a high of $2,322 for a policy for a high-risk driver.

Liability Only $514
Full Coverage $1,074
High Risk $2,322

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $806
Small Cities $1,128
Large Cities $1,450

These rate differences demonstrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on price 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 Information

The chart below details estimated Jeep Patriot insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $643
  • Choosing higher $1,000 deductibles can save around $972 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,074
  • Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,274
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,322 or more
  • An auto insurance policy for full coverage for a 16-year-old driver may cost $4,284 each year

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing full coverage Jeep Patriot insurance rates range from $643 to $4,284

Auto insurance prices for a Jeep Patriot also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Jeep Patriot insurance prices. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,460 on average in Florida, Michigan, and New York.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $974 -$100 -9.3%
Alaska $826 -$248 -23.1%
Arizona $894 -$180 -16.8%
Arkansas $1,074 -$0 0.0%
California $1,228 $154 14.3%
Colorado $1,028 -$46 -4.3%
Connecticut $1,108 $34 3.2%
Delaware $1,218 $144 13.4%
Florida $1,348 $274 25.5%
Georgia $992 -$82 -7.6%
Hawaii $774 -$300 -27.9%
Idaho $726 -$348 -32.4%
Illinois $802 -$272 -25.3%
Indiana $810 -$264 -24.6%
Iowa $726 -$348 -32.4%
Kansas $1,024 -$50 -4.7%
Kentucky $1,468 $394 36.7%
Louisiana $1,594 $520 48.4%
Maine $664 -$410 -38.2%
Maryland $888 -$186 -17.3%
Massachusetts $862 -$212 -19.7%
Michigan $1,870 $796 74.1%
Minnesota $900 -$174 -16.2%
Mississippi $1,288 $214 19.9%
Missouri $954 -$120 -11.2%
Montana $1,156 $82 7.6%
Nebraska $848 -$226 -21.0%
Nevada $1,290 $216 20.1%
New Hampshire $774 -$300 -27.9%
New Jersey $1,202 $128 11.9%
New Mexico $954 -$120 -11.2%
New York $1,134 $60 5.6%
North Carolina $622 -$452 -42.1%
North Dakota $882 -$192 -17.9%
Ohio $742 -$332 -30.9%
Oklahoma $1,106 $32 3.0%
Oregon $986 -$88 -8.2%
Pennsylvania $1,026 -$48 -4.5%
Rhode Island $1,436 $362 33.7%
South Carolina $976 -$98 -9.1%
South Dakota $908 -$166 -15.5%
Tennessee $942 -$132 -12.3%
Texas $1,298 $224 20.9%
Utah $798 -$276 -25.7%
Vermont $738 -$336 -31.3%
Virginia $644 -$430 -40.0%
Washington $832 -$242 -22.5%
West Virginia $986 -$88 -8.2%
Wisconsin $744 -$330 -30.7%
Wyoming $958 -$116 -10.8%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

Choosing high deductibles can save as much as $310 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Jeep Patriot Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Patriot Sport 2WD $1,020 $85
Jeep Patriot Sport 4WD $1,048 $87
Jeep Patriot Limited 2WD $1,104 $92
Jeep Patriot Limited 4WD $1,130 $94

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.

Jeep Patriot Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Jeep Patriot $188 $292 $460 $1,098
2016 Jeep Patriot $180 $272 $464 $1,074
2014 Jeep Patriot $164 $236 $474 $1,032
2013 Jeep Patriot $158 $214 $478 $1,008
2012 Jeep Patriot $148 $196 $474 $976
2009 Jeep Patriot $132 $156 $460 $906
2007 Jeep Patriot $120 $142 $446 $866

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 Find Affordable Jeep Patriot Insurance

Finding better rates on insurance for a Jeep Patriot takes being a good driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a brief review of the coverage data touched on in the above illustrations.

  • You may be able to save as much as $120 per year simply by quoting early and online
  • Increasing policy deductibles can save around $300 each year
  • Drivers age 16 to 20 are charged the highest prices, possibly costing $357 per month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,250 more each year than a safer driver

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,284
20 $2,474
30 $1,098
40 $1,074
50 $986
60 $966

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,074
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,074
50/100 $1,223
100/300 $1,339
250/500 $1,640
100 CSL $1,269
300 CSL $1,524
500 CSL $1,710

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,050
20 $3,942
30 $2,348
40 $2,322
50 $2,222
60 $2,202

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.

SR-22 Surcharge $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $18
5-yr Accident Free $69
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $49
Online Quote $73
Total Discounts $431
Rate after discounts $643

Discounts are estimated and may not be available from every company or in every state.

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