Jeep Patriot Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Jeep Patriot owners generally pay around $142 a month for insurance. Know how much auto insurance carriers might charge to insure your Jeep Patriot with our comprehensive guide.

Quick Facts

  • The Jeep Patriot costs about the same as most other SUVs to insure.
  • Liability insurance for a Patriot comes in at about $81 monthly, while full coverage normally averages around $149.
  • Ohio Mutual provides the most affordable average premiums for a Patriot with liability only coverage offered for as low as $40 per month.

Patriot Overview

The Jeep Patriot is a great budget-friendly option for any driver, with base prices starting at just $18,040 for 2017 models. There are four different trim levels currently offered, so there's something there for every driver.

Based on thousands of car insurance quotes from Compare.com, we've found that Jeep Patriot auto insurance premiums run about $142 monthly, on average. But how does that stack up to other similar SUVs out there on the market?

Current Base Price$18,040
Body Style(s)SUV
Trim LevelsLATITUDE, LIMITED, SPORT, PATRIOT
Average Insurance Premium$142/mo.
Cheapest Insurance CompanyOhio Mutual

How Much is Car Insurance for a Jeep Patriot?

Vehicle Liability Only Full Coverage
Jeep Patriot$81$149
All Jeep Models$83$153
All SUVs$80$151
Average Insurance Premium$81$169

You can see in the table above that Jeep Patriot insurance prices are cheaper than average. Patriot drivers usually pay around $149 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 a month for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other models, the Patriot is in line with the other vehicles in Jeep's lineup. Likewise, compared to other vehicles of a similar body style, Patriot coverage runs close to average, with full coverage insurance rates $2 cheaper than other SUVs and liability insurance prices coming in at $1 higher.

Compared to all vehicles of any body type, the Patriot is more affordable for full coverage, but liability only premiums are slightly more expensive.

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Who has the Cheapest Car Insurance for a Jeep Patriot?

Insurance Company Average Monthly Premium
CaliforniaCasualty$31
AnchorGeneral$39
Ohio Mutual$40
NationalGeneral$45
MetroMile$46

Are you searching for a car insurance policy for your Jeep Patriot? You may want to know which carrier offers the lowest prices. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $31 a month from CaliforniaCasualty. With car insurance as cheap as just $39 per month, AnchorGeneral is the next lowest insurance carrier.

Ohio Mutual, NationalGeneral, and MetroMile round out the end of the top 5 list. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Jeep Patriot.

After all, auto insurance carriers look at a range of different variables when calculating rates, so your results might be different. By analyzing quotes from several car insurance companies at once, you can be sure you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Jeep Patriot?

There are a whole bunch of attributes that insurance carriers use to determine how much they charge for a policy -- and every company uses a different method, so there's not just one carrier that's the lowest for each driver.

The following sections show a lot of factors car insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$65
2-3 Years$69
4-5 Years$82
6-7 Years$82
8-10 Years$82
11-14 Years$87
15 Years or Older$47

The Jeep Patriot has been around for a while, so vehicle age may make a difference in what you end up paying for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Patriots continue to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Jeep Patriot follows this trend, as the most expensive models to insure are those that are 11 to 14 years old, while on average, the cheapest models are Patriots that are 15 years old or more.

Your Age

Age Average Monthly Premium

Age makes a big difference in how much you pay for car insurance. Based on the information in the table above, drivers who have more experience on the road have cheaper rates than teenage Patriot drivers. Jeep Patriot drivers under 18 actually pay $74 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for Patriot drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$84
Female$79

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. The Jeep Patriot is no different, and women pay about $79 monthly for auto insurance and men pay around $84.

Where You Live

State Average Monthly Premium
California$56
Florida$110
Georgia$109
Illinois$46
New York$139
North Carolina$49
Ohio$60
Pennsylvania$65
Texas$69
Virginia$62

You were probably already aware that things like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live can have just as much as an impact? Insurance is regulated on the state level and not nationally, so rates vary quite a bit depending on what state you live in.

For example, the average Jeep Patriot owner from New York pays about $139 a month for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

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Jeep Patriot Car Insurance Discounts

Regardless of how old you are, what state you live in, or what vehicle you drive, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-vehicle discounts for insuring more than one of your cars with the same carrier
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
  • Multi-policy discounts for getting both your home and auto policies from the same company

These are just a few of the discounts insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$93
Multiple Accidents$127
1 Ticket$94
Multiple Tickets$101

It's no secret that insurance companies offer the cheapest premiums to drivers with a history of responsible driving. It shouldn't come as a surprise that your auto insurance rates will get higher if you get into a collision or get a ticket for speeding. But exactly how much is it going to cost you for these infractions?

As you can tell from the table above, accidents will usually cost Patriot drivers less than tickets, but both will result in above average rates. Jeep Patriot drivers with one ticket will pay an average of $94 monthly, while drivers with a single accident on their record pay about $93 each month (up $12 from the $81/mo. overall average). The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$81
2,501-5,000 Miles$77
5,001-7,500 Miles$71
7,501-10,000 Miles$86
10,000+ Miles$78

The amount of miles you drive each year impacts your car insurance premiums. Those who drive less have fewer opportunities to get into an accident, so they'll typically end up paying less for auto insurance. Above, you can see that Jeep Patriot owners who drive between 5,000 and 7,500 miles every year pay an average of $71 per month for insurance, while those who put between 7,500 and 10,000 miles on their cars pay $86.

But if you work from home or drive less often than the average driver, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Jeep Patriots Compare to Other Vehicles?

If you're considering making a Jeep Patriot your next purchase, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Jeep Patriot compares:

Jeep Patriot National Average
Liability Insurance$80$81
Full Coverage Insurance$162$169
Base MSRP$18,040$41,879
Average Annual Mileage12,90611,617

With an MSRP that's less than half of the going rate for a new vehicle, the Jeep Patriot is a fantastic value when it comes to price. The Patriot starts at $18,040, which is much cheaper than the national average vehicle price of $41,879.

Although the purchase price is on the cheaper end of the spectrum, insurance rates are pretty average when compared to the rest of the vehicle market. Full coverage insurance for a Jeep Patriot is around $7 a month cheaper than average, while liability only coverage is $1 cheaper a month.

When it comes to usage, Jeep Patriot drivers are much higher than the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Patriot's 12,906 per year.

Jeep Patriot Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure a Jeep Patriot. If you're considering purchasing a new Patriot, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2017 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$162
Base MSRP$18,040
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

2017 Patriot drivers can expect to pay an average of $80 monthly for liability or $162 for full coverage.

We found MetLife offered the cheapest policy, with rates as little as $18 a month.

These average premiums are a great starting point if you're in the market for a 2017 Jeep Patriot, but there are a wide array of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2016 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$160
Base MSRP$17,695
Cheapest Insurance CompanyLiberty Mutual - $19/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

It costs about $77 per month for liability or $160 for a full coverage policy for the 2016 Jeep Patriot.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as low as just $19 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get several free personalized quotes.

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2015 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$82
Full Coverage Avg. Premium$155
Base MSRP$16,895
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

You can expect full coverage for a 2015 Patriot to run around $155 per month, while liability only coverage will average about $82 a month.

With rates as little as just $19 per month, Mercury offered the cheapest policy we found for the 2015 Jeep Patriot.

If you want to find the best prices for auto insurance for a 2015 Jeep Patriot, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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2014 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$147
Base MSRP$16,395
Cheapest Insurance CompanyClearcover - $18/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

The average cost to insure a 2014 Jeep Patriot with liability only coverage is $84 a month, while full coverage runs around $147 monthly.

If you're looking for the cheapest possible 2014 Jeep Patriot insurance policy, Clearcover offered the lowest policy we found, with rates sometimes as little as $18 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$135
Base MSRP$15,995
Cheapest Insurance CompanyArrowhead - $25/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

On average, drivers who own a 2013 Patriot can expect to pay $73 to $135 a month for liability only and full coverage car insurance, respectively.

Arrowhead has premiums sometimes as low as $25 monthly for the 2013 Jeep Patriot.

While these are good estimates of what the average driver might pay to insure a 2013 Jeep Patriot, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2012 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$144
Base MSRP$15,995
Cheapest Insurance CompanyElephant - $23/mo.
Available TrimsLATITUDE, LIMITED, PATRIOT, SPORT

2012 Jeep Patriot drivers can expect to pay an average of $80 per month for liability or $144 for full coverage.

With rates as cheap as $23 monthly, Elephant offered the most affordable policy we found.

Want to know just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole range of personalized quotes from the nation's top insurance carriers.

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2011 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$134
Base MSRP$15,995
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsLATITUDE, SPORT

On average, drivers who own a 2011 Patriot can expect to pay $85 to $134 a month for liability only and full coverage insurance, respectively.

Clearcover offered the cheapest policy we found, with rates sometimes as cheap as $17 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2010 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$136
Base MSRP$15,365
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsLIMITED, SPORT

It costs about $81 a month for liability or $136 for a full coverage policy for the 2010 Jeep Patriot.

We found Clearcover offered the lowest policy, with rates as little as just $21 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of personalized quotes for free.

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2009 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$141
Base MSRP$17,540
Cheapest Insurance CompanyStateAuto - $16/mo.
Available TrimsLIMITED, SPORT

The average cost to insure a 2009 Patriot with liability only coverage is $80 a month, while full coverage runs around $141 monthly.

StateAuto offered the most affordable policy we found, with rates sometimes as cheap as $16 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2009 Jeep Patriot, you can get free quotes in minutes by just entering your ZIP code below.

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2008 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$135
Base MSRP$16,485
Cheapest Insurance CompanyClearcover - $23/mo.
Available TrimsLIMITED, SPORT

You can expect full coverage for a 2008 Jeep Patriot to run about $135 a month, while liability only coverage will average around $81 per month.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as $23 monthly.

Want to know exactly what your insurance price will be? Just enter your ZIP code below to get a variety of free personalized quotes.

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2007 Jeep Patriot Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$131
Base MSRP$14,550
Cheapest Insurance CompanyMetroMile - $18/mo.
Available TrimsLIMITED, SPORT

On average, drivers who own a 2007 Patriot can expect to pay $85 to $131 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2007 Jeep Patriot insurance policy, MetroMile offered the most affordable policy we found, with rates as cheap as just $18 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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Jeep Patriot Insurance FAQs

Is a Jeep Patriot expensive to insure?

Liability insurance runs an average of $81 per month, while full coverage will cost you around $149. The cost of insurance for the Jeep Patriot is about on par with the average SUV.

How can I get the best price on car insurance for my Jeep Patriot?

There's only one way to be sure you're getting the lowest rates -- checking prices regularly and comparing quotes from a wide array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jeep Patriot affect my insurance rates?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not the case. There are quite a few things car insurance companies think about when they decide how much your policy will be, but your Jeep Patriot's color is not on that list.

Do I need to have insurance before I buy a Jeep Patriot?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but it's best to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Jeep Patriot?

There are tons of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Patriot has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. To learn more about which discounts you might qualify for, contact your insurance company and ask about their list of discounts, since they differ quite a bit from company to company.

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