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: May 10, 2024

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Average insurance rates for a Jeep Patriot are $1,098 a year for full coverage insurance. Comprehensive costs around $188, collision insurance costs $292, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,368. Teenage drivers receive the highest rates at up to $4,344 a year.

Average premium for full coverage: $1,098

Rate estimates for individual coverage type:

Comprehensive $188
Collision $292
Liability $460

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Patriot trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $510 for basic liability insurance to a much higher rate of $2,368 for a high-risk driver policy.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.

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

These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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.

Rate Comparisons

The chart below illustrates average Jeep Patriot insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $655
  • Drivers who choose higher $1,000 deductibles will pay about $110 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,098
  • Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,304
  • High risk drivers who are prone to accidents and violations could pay at least $2,368
  • The cost for full coverage for a teen driver with full coverage can be $4,344 a year

View Chart as Image

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

Auto insurance rates for a Jeep Patriot can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,300 a year. View Rates by Age

Where you live makes a big difference in Jeep Patriot insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,480 on average in Michigan, New York, and Florida.

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

Using high physical damage deductibles could save up to $320 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,300 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 132% more than a normal policy. View High Risk Driver Rates

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 Affordable Jeep Patriot Insurance

Saving money on Jeep Patriot insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a brief review of the information touched on above.

  • It is possible to save up to $130 per year just by shopping early and online
  • Teens are expensive to insure, costing up to $362 per month if they have full coverage
  • Increasing deductibles can save around $325 each year
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,270 more every year for Patriot insurance
  • Drivers who may need higher liability limits will pay an extra $510 annually to go from a minimum limit to 250/500 limits

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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