Jeep Patriot Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Jeep Patriot are $1,134 a year with full coverage. Comprehensive costs an estimated $200 each year, collision insurance costs $316, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,450. Teen drivers pay the most at up to $4,464 a year.
Average premium for full coverage: $1,134
Premium estimates broken down by type of coverage:
Rates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Patriot models.
Insurance Price Range by Risk and Coverage
For a middle-aged driver, insurance rates for a Jeep Patriot range from as low as $510 for just liability insurance to a high rate of $2,450 for a high risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the effect of location on insurance prices.
These rate differences demonstrate why all drivers should 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Jeep Patriot insurance rates for other coverage scenarios.
- The lowest rate with discounts is $673
- Raising to $1,000 deductibles will save approximately $118 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,134
- Choosing low deductibles will increase the cost to $1,360
- Drivers with multiple violations and an at-fault accident could pay up to $2,450
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,464
Insurance prices for a Jeep Patriot also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Jeep Patriot insurance prices. A middle-age driver might find prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,026 | -$108 | -9.5% |
| Alaska | $870 | -$264 | -23.3% |
| Arizona | $942 | -$192 | -16.9% |
| Arkansas | $1,134 | -$0 | 0.0% |
| California | $1,292 | $158 | 13.9% |
| Colorado | $1,086 | -$48 | -4.2% |
| Connecticut | $1,168 | $34 | 3.0% |
| Delaware | $1,284 | $150 | 13.2% |
| Florida | $1,420 | $286 | 25.2% |
| Georgia | $1,046 | -$88 | -7.8% |
| Hawaii | $816 | -$318 | -28.0% |
| Idaho | $768 | -$366 | -32.3% |
| Illinois | $846 | -$288 | -25.4% |
| Indiana | $852 | -$282 | -24.9% |
| Iowa | $766 | -$368 | -32.5% |
| Kansas | $1,078 | -$56 | -4.9% |
| Kentucky | $1,548 | $414 | 36.5% |
| Louisiana | $1,678 | $544 | 48.0% |
| Maine | $702 | -$432 | -38.1% |
| Maryland | $938 | -$196 | -17.3% |
| Massachusetts | $908 | -$226 | -19.9% |
| Michigan | $1,972 | $838 | 73.9% |
| Minnesota | $950 | -$184 | -16.2% |
| Mississippi | $1,360 | $226 | 19.9% |
| Missouri | $1,006 | -$128 | -11.3% |
| Montana | $1,218 | $84 | 7.4% |
| Nebraska | $896 | -$238 | -21.0% |
| Nevada | $1,362 | $228 | 20.1% |
| New Hampshire | $818 | -$316 | -27.9% |
| New Jersey | $1,270 | $136 | 12.0% |
| New Mexico | $1,006 | -$128 | -11.3% |
| New York | $1,196 | $62 | 5.5% |
| North Carolina | $654 | -$480 | -42.3% |
| North Dakota | $930 | -$204 | -18.0% |
| Ohio | $784 | -$350 | -30.9% |
| Oklahoma | $1,166 | $32 | 2.8% |
| Oregon | $1,040 | -$94 | -8.3% |
| Pennsylvania | $1,082 | -$52 | -4.6% |
| Rhode Island | $1,514 | $380 | 33.5% |
| South Carolina | $1,028 | -$106 | -9.3% |
| South Dakota | $958 | -$176 | -15.5% |
| Tennessee | $994 | -$140 | -12.3% |
| Texas | $1,368 | $234 | 20.6% |
| Utah | $840 | -$294 | -25.9% |
| Vermont | $776 | -$358 | -31.6% |
| Virginia | $680 | -$454 | -40.0% |
| Washington | $878 | -$256 | -22.6% |
| West Virginia | $1,040 | -$94 | -8.3% |
| Wisconsin | $786 | -$348 | -30.7% |
| Wyoming | $1,012 | -$122 | -10.8% |
Choosing high deductibles can reduce prices by up to $350 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 138% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Patriot Sport 2WD | $1,072 | $89 |
| Jeep Patriot Sport 4WD | $1,104 | $92 |
| Jeep Patriot Limited 2WD | $1,166 | $97 |
| Jeep Patriot Limited 4WD | $1,196 | $100 |
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 | $200 | $316 | $460 | $1,134 |
| 2014 Jeep Patriot | $180 | $272 | $464 | $1,074 |
| 2013 Jeep Patriot | $176 | $254 | $474 | $1,062 |
| 2012 Jeep Patriot | $164 | $236 | $474 | $1,032 |
| 2009 Jeep Patriot | $140 | $178 | $474 | $950 |
| 2007 Jeep Patriot | $132 | $156 | $460 | $906 |
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 Cheaper Jeep Patriot Insurance
Finding better rates on insurance for a Jeep Patriot consists of avoiding accidents and claims, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to shop around at least every two years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a summary of the information that was covered in this article.
- Increasing policy deductibles can save around $350 each year
- You may be able to save approximately $130 per year just by quoting online in advance
- Insureds who want increased liability limits will pay about $510 every year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are charged the highest prices, possibly costing $372 per month for full coverage
- Drivers considered higher risk that have multiple accidents or serious violations may pay on average $1,320 more annually to insure a Jeep Patriot
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,464 |
| 20 | $2,610 |
| 30 | $1,164 |
| 40 | $1,134 |
| 50 | $1,040 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,256 |
| $500 | $1,134 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,134 |
| 50/100 | $1,288 |
| 100/300 | $1,403 |
| 250/500 | $1,702 |
| 100 CSL | $1,334 |
| 300 CSL | $1,587 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,318 |
| 20 | $4,160 |
| 30 | $2,484 |
| 40 | $2,450 |
| 50 | $2,344 |
| 60 | $2,322 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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