Jeep Patriot Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 18, 2019

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Average insurance prices for a Jeep Patriot are $1,174 every 12 months with full coverage. Comprehensive insurance costs on average $208, collision insurance costs $352, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,546 or more. Teen drivers receive the highest rates at up to $4,600 a year.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Comprehensive $208
Collision $352
Liability $456

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Patriot trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $508 for minimum levels of liability insurance to a much higher rate of $2,546 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,174
High Risk $2,546

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using 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 Details

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

  • The lowest rate with discounts is $693
  • Using higher $1,000 deductibles will save around $126 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,174
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $248 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,546
  • The cost to insure a teen driver with full coverage may cost $4,600 or more

View Chart as Image

Jeep Patriot insurance cost comparison chart
Column chart showing Jeep Patriot insurance prices range from $693 to $4,600 for full coverage

Car insurance rates for a Jeep Patriot can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Patriot.

Choosing high deductibles could cut rates by as much as $380 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than average. View High Risk Driver Rates

Where you live has a huge impact on Jeep Patriot insurance prices. A driver around age 40 might see rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,590 on average in Florida, Michigan, and New York.

Jeep Patriot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $902 -$272 -23.2%
Arizona $976 -$198 -16.9%
Arkansas $1,174 -$0 0.0%
California $1,340 $166 14.1%
Colorado $1,126 -$48 -4.1%
Connecticut $1,208 $34 2.9%
Delaware $1,332 $158 13.5%
Florida $1,472 $298 25.4%
Georgia $1,084 -$90 -7.7%
Hawaii $846 -$328 -27.9%
Idaho $796 -$378 -32.2%
Illinois $878 -$296 -25.2%
Indiana $886 -$288 -24.5%
Iowa $792 -$382 -32.5%
Kansas $1,118 -$56 -4.8%
Kentucky $1,604 $430 36.6%
Louisiana $1,740 $566 48.2%
Maine $726 -$448 -38.2%
Maryland $970 -$204 -17.4%
Massachusetts $940 -$234 -19.9%
Michigan $2,042 $868 73.9%
Minnesota $984 -$190 -16.2%
Mississippi $1,408 $234 19.9%
Missouri $1,044 -$130 -11.1%
Montana $1,264 $90 7.7%
Nebraska $926 -$248 -21.1%
Nevada $1,410 $236 20.1%
New Hampshire $846 -$328 -27.9%
New Jersey $1,314 $140 11.9%
New Mexico $1,040 -$134 -11.4%
New York $1,240 $66 5.6%
North Carolina $678 -$496 -42.2%
North Dakota $960 -$214 -18.2%
Ohio $812 -$362 -30.8%
Oklahoma $1,208 $34 2.9%
Oregon $1,078 -$96 -8.2%
Pennsylvania $1,122 -$52 -4.4%
Rhode Island $1,568 $394 33.6%
South Carolina $1,066 -$108 -9.2%
South Dakota $992 -$182 -15.5%
Tennessee $1,028 -$146 -12.4%
Texas $1,418 $244 20.8%
Utah $872 -$302 -25.7%
Vermont $806 -$368 -31.3%
Virginia $706 -$468 -39.9%
Washington $910 -$264 -22.5%
West Virginia $1,078 -$96 -8.2%
Wisconsin $814 -$360 -30.7%
Wyoming $1,048 -$126 -10.7%

View Chart as Image

Jeep Patriot insurance rates by U.S. city

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 $1,108 $92
Jeep Patriot Sport 4WD $1,142 $95
Jeep Patriot Limited 2WD $1,208 $101
Jeep Patriot Limited 4WD $1,244 $104

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
2016 Jeep Patriot $208 $352 $456 $1,174
2014 Jeep Patriot $188 $292 $460 $1,098
2013 Jeep Patriot $180 $272 $464 $1,074
2012 Jeep Patriot $176 $254 $474 $1,062
2009 Jeep Patriot $148 $196 $474 $976
2007 Jeep Patriot $134 $160 $468 $920

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 Cheap Jeep Patriot Insurance

Saving money on car insurance requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the data that was illustrated above.

  • You may be able to save as much as $140 per year just by shopping early and online
  • Policyholders who require additional liability coverage will pay about $500 every year to increase from a minimum limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $383 per month if the policy includes full coverage
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,370 more each year than a driver with a clean driving record

Rates by Driver Age

Jeep Patriot Insurance Rates by Driver Age
Driver Age Premium
16 $4,600
20 $2,712
30 $1,210
40 $1,174
50 $1,076
60 $1,056

Full coverage, $500 deductibles

Rates by Deductible

Jeep Patriot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,308
$500 $1,174
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Jeep Patriot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,335
100/300 $1,449
250/500 $1,746
100 CSL $1,381
300 CSL $1,632
500 CSL $1,814

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Patriot Insurance Rates for High Risk Drivers
Age Premium
16 $6,518
20 $4,326
30 $2,580
40 $2,546
50 $2,432
60 $2,410

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 $162

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $81
Total Discounts $481
Rate after discounts $693

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

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