Jeep Patriot Insurance Rates
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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:
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.
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.
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
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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,308 |
| $500 | $1,174 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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