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 auto insurance rates for a Jeep Patriot are $1,098 annually including full coverage. Comprehensive costs around $188, collision insurance costs $292, and liability insurance is $460. Buying just liability costs around $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 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Patriot models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $510 for a discount liability-only rate to the much higher price of $2,368 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

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

These examples highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, 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.

Rates by State, City, and Model

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

  • The best discount rate is $655
  • Raising to $1,000 deductibles will save about $110 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,098
  • Using pricier low deductibles will cost $1,304
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,368
  • The cost with full coverage for a teen driver for full coverage can be $4,344

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 the trim level of your Patriot, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,300 to $1,800 in extra premium per year, depending on your age. Jeep Patriot insurance for high-risk drivers is expensive and can cost anywhere from 41% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $320 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Jeep Patriot insurance rates. A middle-age driver might find rates as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,560 on average in Michigan, New York, and Louisiana.

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

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 Buy Affordable Jeep Patriot Insurance

Saving money on Jeep Patriot insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a brief review of the data touched on in this article.

  • Drivers who may need higher levels of liability will pay an extra $510 per year to raise from a minimum limit to higher 250/500 limits
  • You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $325 each year
  • Teenage drivers are expensive to insure, as much as $362 per month if full coverage is included

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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