Compare the Cost of Jeep Patriot Insurance by Model Year and Company


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Your age and the model year of your Jeep Patriot are among the most influential factors in determining your car insurance rates. The average annual insurance cost for the Jeep Patriot is $1,288, with State Farm providing the lowest price at $955.

A 16-year-old driver pays $6,044 annually for the newest model year but $5,458 for the oldest one. A 2017 Jeep Patriot would cost a 40-year-old driver an annual $1,304 and only $1,167 for a 2009.

MoneyGeek also ranked the best insurers that offer exceptional service and claims handling at an affordable price.

Key Takeaways

blueCheck icon

When it comes to insuring your Jeep Patriot, both affordability and service quality are key considerations. Based on the provided data, here are the most affordable insurance options for full and minimum coverage:

Full Coverage
- State Farm is the most affordable for full coverage, with an annual premium of $955. This insurer scores high in customer satisfaction and offers competitive rates, making it an excellent choice for those seeking both value and reliability.

- GEICO offers an annual premium of $1,048 for full coverage and is noted for its exceptional claims handling. While slightly more expensive than State Farm, it still provides a strong balance of cost and service.

Minimum Coverage
- State Farm again leads as the most budget-friendly choice for minimum coverage at $502 per year. Its consistent affordability across different coverage levels underscores its reputation for providing excellent value.

- At the high end, Farmers offers minimum coverage for $812 per year, indicating that price variations can be significant among insurers.

Considerations
- Teen Drivers: For younger drivers, insurance premiums can be notably higher. For 16-year-old drivers, State Farm offers the cheapest rates at $3,333 per year.

- Model Year Impact: The cost of insurance also varies with the model year of the Jeep Patriot. For instance, insuring a 2017 model for a 40-year-old driver averages $1,304, while a 2009 model costs around $1**,167.**

Recommendations
When selecting an insurance provider, it's advisable to consider both cost and service quality. State Farm emerges as the most affordable option, offering a strong combination of low rates and customer satisfaction. When shopping for insurance, always compare quotes from multiple providers to ensure you get the best deal tailored to your specific needs and circumstances.

blueCheck icon

Based on the provided data, the best car insurance provider for a Jeep Patriot is State Farm. State Farm not only offers the most affordable full coverage rates, starting at $955 per year, but also received a high MoneyGeek score of 90 out of 100. This reflects its strong performance in customer satisfaction and affordability.

State Farm's competitive pricing makes it a great option for Jeep Patriot owners, especially those looking for a balance between cost and quality service. Additionally, its rates for the latest model years and for teenage drivers are significantly lower compared to competitors like Farmers, which is the most expensive provider.

When selecting an insurance provider, it’s essential to consider both the premium cost and the insurer’s reputation for customer service and claims handling. For Jeep Patriot owners, State Farm stands out as the top choice based on these criteria.

blueCheck icon

Age is a crucial factor in determining car insurance premiums due to the varying risk levels associated with different age groups. Younger drivers, particularly teenagers, are generally considered higher-risk because of their limited driving experience and the statistically higher likelihood of being involved in accidents. Conversely, older drivers, who typically have more experience and are deemed lower-risk, can benefit from more favorable insurance rates.

Annual Costs for a Jeep Patriot:

1. 16-Year-Old Driver:
- Newest Model Year: Approximately $6,044 annually.
- Oldest Model Year: Approximately $5,458 annually.

2. 40-Year-Old Driver:
- 2017 Model Year: Around $1,304 per year.
- 2009 Model Year: Approximately $1,167 annually.

Rate Decrease Over Time:

- Teenagers (16-Year-Olds): 
- Premiums are highest due to the perceived risk. For example, a 16-year-old with a Jeep Patriot pays between $5,458 and $6,044 annually, depending on the model year.

- Early 20s: 
- Insurance rates begin to stabilize but are still higher than those for individuals aged 30 and above. Rates are not listed here, but they are significantly reduced compared to those for teenagers.

- 30 and Above: 
- Premiums further decrease, reflecting increased driving experience and lower risk. A 40-year-old driver would pay between $1,167 and $1,304 annually, depending on the model year.

In summary, age significantly influences insurance premiums for a Jeep Patriot, with younger drivers incurring the highest costs and rates typically decreasing as drivers gain more experience and age. Shopping around for quotes is crucial, as it can help find the best deal tailored to individual needs.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Why Trust MoneyGeek? We based our analysis of average rates for a Jeep Patriot on thousands of car insurance quotes from Quadrant Information Services

recency icon

We updated our rates to find the average cost of car insurance for a Jeep Patriot in 2023.

10Companies Compared
 
26,892Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Jeep Patriot

Jeep Patriot insurance costs an annual average of $1,288, but your premium rates depend on which insurer you choose. State Farm is the cheapest option for full coverage at $955 per year, and Farmers is the most expensive at $1,500 per year.

The cheapest car insurance for minimum coverage is State Farm at $502 per year, while the most expensive is Farmers at $812 per year. Prices can vary based on driver age, location and driving history, so obtaining quotes from several insurers will help you find the best price possible.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
State Farm$955
GEICO$1,048
Allstate$1,214
Travelers$1,317
Nationwide$1,353
Progressive$1,412
Farmers$1,500

Is a Jeep Patriot Expensive to Insure?

Insurers account for many factors when calculating car insurance costs for a Jeep Patriot. This particular model series is known for being affordable to insure due to its low value and theft rate. It also has received a favorable overall crash rating, highlighting its commitment to safety for drivers and owners.

The Jeep Patriot has a relatively modest MSRP value of $15,950 for the 2017 model year. Unlike electric and sports cars, which typically incur higher insurance costs due to factors like repair expenses and driving behavior, the Jeep Patriot falls within the SUV category. SUVs generally have average theft rates, which can influence insurance costs but are not exceptionally high.

Best Companies for Insuring a Jeep Patriot

A policy's cost is not the only important factor to consider when shopping for Jeep Patriot insurance. The best car insurance companies should also provide excellent customer service and claims management.

Our study showed that the best auto insurance companies for the Jeep Patriot are:

  • State Farm: MoneyGeek score of 90 out of 100 ($955 per year)
  • GEICO: MoneyGeek score of 88 out of 100 ($1,048 per year)

State Farm stands out with its high customer satisfaction and affordability scores, while GEICO excels in claims handling. Based on our analysis, we recommend Jeep Patriot owners consider these companies as top choices when selecting an insurance provider. They offer excellent customer service at an affordable price, ensuring a positive experience for policyholders.

MoneyGeek Top Pick: State Farm

State Farm

pros

checkmark

Offers the most affordable premium, costing $955 per year

checkmark

Excellent customer satisfaction rating

checkmark

Offers essentials like roadside assistance and rental car reimbursement

cons

close

Limited selection of coverage options

COMPANY HIGHLIGHTS

MoneyGeek's top choice for the best car insurance provider for Jeep Patriot owners is State Farm. With outstanding customer service ratings and the most competitive annual premium of $955, this insurer is renowned for delivering a consistently positive experience to its customers.

State Farm offers an add-on for rental car and travel reimbursement. This coverage includes fees for rental cars up to a chosen limit, travel expenses and reimbursement of up to $500 for your deductible if you're involved in an accident with your rental vehicle.

Its roadside assistance provides coverage for various services. These include mechanical labor for up to one hour, towing, tire changes, locksmith labor and gas, oil or battery delivery.

Furthermore, State Farm offers rideshare insurance that extends all coverages from the auto policy when the app is on and the driver is available for hire. All coverages, except liability insurance, remain after matching with or transporting a rider.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

checkmark

Above-average customer satisfaction rating

checkmark

Offers second-cheapest rates among seven other insurers we compared

checkmark

Provides mechanical breakdown insurance coverage

cons

close

Poor claims management rating

COMPANY HIGHLIGHTS

Our second-place pick, GEICO, is a reputable car insurance provider that offers high-quality customer service at a reasonable price. With a variety of comprehensive coverage options, GEICO can be an appealing choice for buyers seeking reliable coverage.

Jeep Patriot owners may be interested in GEICO's rental car and travel reimbursement coverage that pays for a rental vehicle if your car is unusable after a covered accent. Its accident forgiveness can also be purchased or earned through safe driving or purchased; it prevents rate hikes after your first at-fault accident.

Additionally, GEICO's mechanical breakdown insurance (MBI) offers better coverage at a more affordable price than most extended dealer warranties. MBI covers all parts and systems, unlike many dealer warranties. It's available for new or leased cars under 15 months old with less than 15,000 miles.

Cost of Insuring a Jeep Patriot by Model Year

Your vehicle's age is among the main contributing factors that impact your average car insurance costs. Coverage for a Jeep Patriot of the latest model year, 2017, will cost you around $1,304 per year, while a 2009 model costs $1,167 annually, a difference of $137. Newer model years are generally pricier to insure due to higher values and repair costs.

Data filtered by:Results filtered by:
Select
Age:40
Select
Coverage:Full Coverage
2017$1,304
2016$1,329
2015$1,304
2014$1,268
2013$1,246
2012$1,224
2011$1,176
2010$1,184
2009$1,167

The cost of car insurance for the Jeep Patriot differs based on its model year and the insurer you purchase your policy from. State Farm offers the least expensive full coverage rates for both the earliest model year, 2009, at $870 per year, and the latest model year, 2017, at $1,032 per year. However, it's worth noting that the average cost of car insurance will also vary by insurer and model year.

Data filtered by:Results filtered by:
Select
Model Year:2017
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,032
GEICO$1,122
Nationwide$1,283
Travelers$1,290
Allstate$1,338
Progressive$1,502
Farmers$1,585

Cost of Insuring a Jeep Patriot for 16- to 25-Year-Olds

The cost of teen car insurance for the Jeep Patriot significantly varies depending on the driver's age, with teenagers facing higher rates compared to individuals aged 30 and above. On average, insuring a 16-year-old driver for this vehicle amounts to $5,801 per year, while a 40-year-old driver can expect to pay $1,245 annually.

As drivers enter their 20s, insurance rates tend to stabilize, although they remain considerably higher than those aged 30 and older. Exploring different insurance options and comparing prices is necessary to secure the best possible deal.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$5,801
17$4,709
18$4,123
19$2,846
20$2,569
21$1,963
22$1,814
23$1,684
24$1,597
25$1,443

The cheapest way to get car insurance for teens is to include them on an existing family plan, as individual policies tend to be very expensive. For 16-year-old drivers, State Farm offers the cheapest rates at $3,333 per year, while Farmers is the most expensive at $8,248 per year for an individual plan.

We recommend teens and their families shop around and compare quotes from three to four providers to find the most reasonable plan that matches their needs. By doing this, you can ensure that you are obtaining the optimal balance between affordability and adequate coverage, thus maximizing the value of your insurance investment.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2017
Select
Coverage:Full Coverage
State Farm$3,333
Nationwide$5,098
Travelers$5,370
GEICO$5,406
Allstate$6,563
Progressive$8,203
Farmers$8,248

How Does Location Affect the Cost of Jeep Patriot Insurance?

When buying insurance for your Jeep Patriot, the model year, driver age and location all affect the cost of car insurance. Your location is sometimes the most critical factor, with average rates varying between states. Florida is the most expensive state, with an average annual rate of $1,058, while Idaho boasts the lowest rates at just $299 per year.

It's best to get quotes from the cheapest insurers in your state when shopping for Jeep Patriot car insurance.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Jeep Patriot Insurance

Jeep Patriot owners looking to insure their vehicles often have questions about car insurance companies, their customer service and costs. We addressed some commonly asked questions below.

What company has the cheapest car insurance for a Jeep Patriot?

What company offers the best car insurance for a Jeep Patriot?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.