Jeep Patriot Insurance Rates
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UPDATED: May 10, 2024
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U.S. average insurance rates for a Jeep Patriot are $1,134 a year for full coverage insurance. Comprehensive insurance costs approximately $200, collision insurance costs $316, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,450 or more. Teenage drivers pay the highest rates at up to $4,464 a year.
Average premium for full coverage: $1,134
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Patriot models.
Price Range from Low to High
For the average 40-year-old driver, Jeep Patriot insurance prices range from as low as $510 for just liability insurance to the much higher price of $2,450 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why everyone should get quotes using their specific location 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.
More Rate Details
The chart below illustrates average Jeep Patriot insurance rates for additional coverage and risk scenarios.
- The best discount rate is $673
- Choosing higher $1,000 deductibles can save $118 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,134
- Using pricier low deductibles for comp and collision coverage will cost an extra $226 a year
- High-risk insureds who are prone to accidents and violations could pay around $2,450
- The price for full coverage for a teen driver for full coverage can cost $4,464 each year
Insurance prices for a Jeep Patriot are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Jeep Patriot insurance rates. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $350 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 additional each year, depending on your age. Jeep Patriot insurance for high-risk drivers ranges anywhere from 43% to 138% more than a normal policy. 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 |
|---|---|---|---|---|
| 2017 Jeep Patriot | $208 | $352 | $456 | $1,174 |
| 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 the Right Jeep Patriot Insurance
Getting lower rates on Jeep Patriot insurance takes being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a quick rundown of the data that was touched on in this article.
- It is possible to save around $130 per year just by quoting online well ahead of the renewal date
- Drivers who purchase an increased level of liability coverage will pay an extra $510 annually to raise limits from a low limit to 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, as much as $372 a month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,320 more per year than a safer driver
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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