Jeep Patriot Insurance Rates

The average insurance rates for a Jeep Patriot are $1,098 a year with full coverage. Comprehensive costs an estimated $188, collision costs $292, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,368. Teen drivers cost the most to insure at $4,344 a year or more.

Average premium for full coverage: $1,098

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Patriot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger 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 price range example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get 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.

Detailed Rate Analysis

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

• The lowest rate with discounts is $655
• Choosing higher $1,000 deductibles can save approximately $110 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,098
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,304
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,368 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,344 each year

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.

An older driver with a clean driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Patriot insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,480 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $320 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per 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 extra every year, depending on your age. High-risk driver insurance ranges from 41% to 132% 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 compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the 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 the Cheapest Jeep Patriot Insurance

Finding cheaper rates on insurance for a Jeep Patriot takes avoiding accidents and claims, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the information touched on in this article.

• You may be able to save approximately $130 per year simply by shopping early and online
• Drivers under the age of 20 are charged the highest rates, as much as $362 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,270 more annually to insure a Jeep Patriot
• Insureds who want increased liability limits will pay about $510 every year to raise limits from a 30/60 limit to 250/500 limits