Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,074 a year with full coverage. Comprehensive insurance costs an estimated $180 a year, collision costs $272, and liability is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing $2,322 or more. Teen drivers cost the most to insure at $4,284 a year or more.

Average premium for full coverage: $1,074

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

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

The examples above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $643
• Raising to $1,000 deductibles will save approximately $972 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,074
• Choosing low $100 deductibles will cost an extra $200 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,322 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,284

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,460 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $310 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 Find Affordable Jeep Patriot Insurance

Finding cheaper rates on insurance for a Jeep Patriot consists of having a decent driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the data that was covered above.

• You may be able to save approximately $120 per year simply by quoting early and online
• Insureds who want additional liability coverage will pay about $510 every year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, as much as $357 each month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,250 more annually than a driver with a clean driving record