Jeep Patriot Insurance Rates

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UPDATED: May 10, 2024

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Estimated insurance rates for a Jeep Patriot are $1,098 a year for full coverage. Comprehensive insurance costs on average $188, collision costs $292, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,368 or more. 16-year-old drivers pay the most at $4,344 a year or more.

Average premium for full coverage: $1,098

Premium estimates by type of coverage:

Comprehensive $188
Collision $292
Liability $460

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different 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 the low end price of $510 for liability-only coverage to a much higher rate of $2,368 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,098
High Risk $2,368

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $824
Small Cities $1,153
Large Cities $1,482

These rate differences show why anyone shopping for car insurance should get quotes based on a specific location, 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 Charts and Tables

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

  • The best full coverage rate is $655
  • Choosing higher $1,000 deductibles can save around $110 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,098
  • Buying more expensive low deductibles for comp and collision coverage will cost an additional $206 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,368 or more
  • An auto insurance policy that insures a teen driver with full coverage may cost $4,344 each year

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing full coverage Jeep Patriot insurance prices range from $655 to $4,344

Insurance prices for a Jeep Patriot also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance ranges as much as 41% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,300 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 $720 a year in states like Idaho, Maine, and Iowa, or at least $1,560 on average in Michigan, Louisiana, and New York.

Jeep Patriot Insurance Rates by State
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%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $320 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

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 $1,038 $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.

Jeep Patriot Insurance Rates by Model Year
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 Find Cheap Jeep Patriot Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The list below is a brief summary of the data touched on in the above illustrations.

  • Policyholders who require higher liability limits will pay around $510 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Drivers can save as much as $130 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $325 each year
  • Teenagers pay the highest prices, as much as $362 per month if full coverage is included

Rates by Driver Age

Jeep Patriot Insurance 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

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,208
$500 $1,098
$1,000 $988

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
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

Jeep Patriot Insurance 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.

SR-22 Surcharge $150

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
Rate after discounts $655

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

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