The cheapest full coverage insurance for a Jeep Patriot costs $897 annually, while young drivers may pay up to $5,367. Rates depend on model year, age, location, driving history and insurer. This article analyzes Jeep Patriot insurance costs and highlights the best and most affordable options.
Jeep Patriot Insurance Cost
Updated: March 18, 2025
Key Takeaways
State Farm offers the cheapest minimum coverage across all Jeep Patriot model years, starting at $502 annually.
Jeep Patriot owners pay about $650 annually for minimum coverage and $1,219 for full coverage.
MoneyGeek analyzed 2,689 Jeep Patriot insurance quotes from Quadrant Information Services to ensure a thorough review of options.
Jeep Patriot Insurance Rates
What Is the Average Jeep Patriot Car Insurance Cost?
The average full coverage insurance cost for a Jeep Patriot is $102 per month or $1,219 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $54 monthly or $650 annually.
| Minimum Coverage | $650 |
| Full Coverage | $1,219 |
Jeep Patriot Insurance Costs by Company
Jeep Patriot insurance costs range from $913 to $1,626 per year, varying by age, model year and coverage level. Below, a table compares the average Jeep Patriot insurance rates with the averages for all vehicles from several national and mid-sized providers.
| Allstate | $1,257 | $1,813 | -31% |
| Auto-Owners | $980 | $1,228 | -20% |
| Farmers | $1,537 | $1,957 | -21% |
| GEICO | $1,048 | $1,333 | -21% |
| Kemper | $1,626 | $2,214 | -27% |
| Nationwide | $1,411 | $1,588 | -11% |
| Progressive | $1,449 | $1,744 | -17% |
| State Farm | $980 | $1,270 | -23% |
| Travelers | $1,339 | $1,522 | -12% |
| USAA | $913 | $1,201 | -24% |
Read more: Best Car Insurance Companies
Cost of Insuring a Jeep Patriot by Model Year
Your Jeep Patriot's production year can impact your insurance rates, with older models often costing less. For example, full coverage for a 2017 model costs around $1,302 annually, while it costs only $1,142 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2017 | $658 | $1,302 |
| 2016 | $681 | $1,313 |
| 2015 | $681 | $1,290 |
| 2014 | $673 | $1,252 |
| 2013 | $671 | $1,229 |
| 2012 | $665 | $1,205 |
| 2011 | $634 | $1,184 |
| 2010 | $653 | $1,162 |
| 2009 | $646 | $1,142 |
Jeep Patriot Insurance Costs by Driver Age
Jeep Patriot insurance rates vary widely depending on the driver's age. For example, 16-year-olds pay an average of $5,367 annually for full coverage, while 40-year-olds pay about $1,231. Below are the average full and minimum coverage rates for different ages.
| 16 | $3,069 | $5,367 |
| 17 | $2,490 | $4,371 |
| 18 | $2,171 | $3,847 |
| 19 | $1,541 | $2,728 |
| 20 | $1,382 | $2,478 |
| 21 | $1,091 | $1,992 |
| 22 | $995 | $1,830 |
| 23 | $922 | $1,708 |
| 24 | $874 | $1,625 |
| 25 | $777 | $1,454 |
| 26 | $754 | $1,408 |
| 27 | $736 | $1,378 |
| 28 | $724 | $1,357 |
| 29 | $713 | $1,339 |
| 30 | $689 | $1,292 |
| 35 | $670 | $1,254 |
| 40 | $663 | $1,231 |
| 45 | $657 | $1,216 |
| 50 | $640 | $1,179 |
| 55 | $623 | $1,147 |
| 60 | $623 | $1,143 |
| 65 | $662 | $1,201 |
| 70 | $719 | $1,287 |
| 75 | $799 | $1,412 |
| 80 | $906 | $1,574 |
| 85 | $980 | $1,688 |
| 90 | $1,035 | $1,769 |
Jeep Patriot Insurance Rates Explained
Several factors influence a driver's car insurance rates, including their personal profile and vehicle-specific details. Insurers consider the car's make, model, age, safety features, repair costs and theft risk. Below is a breakdown of vehicle-related cost factors.
Jeep Patriot Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Jeep Patriot
Average Full Coverage Rate
$1,219Premiums for Jeep Patriot are cheaper:$77 saved
This is 6% less expensive.
Value
The Jeep Patriot's MSRP of $27,980 classifies it as an SUV. This price can affect insurance costs, as higher-priced vehicles often result in higher premiums.
Repair costs
The Jeep Patriot's annual repair cost is $596, below the national average. Lower repair expenses can contribute to reduced insurance premiums.
Performance
The Jeep Patriot's horsepower ranges from 158 to 172, classifying it as a non-high-performance vehicle. This likely has little effect on insurance costs.
Vehicle age
Newer Jeep Patriots are typically more expensive to insure than older ones.
Safety features
The Jeep Patriot includes safety features like stability control and airbags, which can qualify it for insurance discounts.
Vehicle size
Larger vehicles often incur higher insurance costs due to increased property damage potential. The Jeep Patriot's size may contribute to slightly higher premiums.
Trim level
Higher trim levels of the Jeep Patriot, such as the High Altitude, typically include additional features and upgrades, which can increase the vehicle's value. This often results in higher insurance premiums than the base model.
Cheapest Jeep Patriot Insurance
State Farm offers the cheapest Jeep Patriot insurance at $502 annually for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of affordable car insurance options for various coverage levels, age groups, driving records, model years and more.
Cheapest Jeep Patriot Insurance by Coverage Level
The coverage level you choose significantly impacts your Jeep Patriot insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Jeep Patriot Minimum Coverage
State Farm offers the cheapest minimum coverage for a Jeep Patriot at $42 monthly. Other competitive options include GEICO at $45, Allstate at $58 and Travelers at $59.
| USAA | $37 | $444 |
| State Farm | $42 | $502 |
| GEICO | $45 | $538 |
| Allstate | $58 | $700 |
| Travelers | $59 | $704 |
| Progressive | $60 | $718 |
| Farmers | $64 | $772 |
| Nationwide | $66 | $790 |
*State Farm offers non-military-affiliated Jeep Patriot owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Jeep Patriot Insurance Rates by Model Year
Because the above list doesn't account for the production year, lower rates may be available depending on your vehicle's age. To find the cheapest minimum coverage rates for every Jeep Patriot production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $695 | $58 |
| Farmers | $774 | $64 |
| GEICO | $539 | $45 |
| Nationwide | $719 | $60 |
| Progressive | $739 | $62 |
| State Farm | $460 | $38 |
| Travelers | $676 | $56 |
| USAA | $432 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Jeep Patriot Insurance
State Farm offers the cheapest full coverage insurance for a Jeep Patriot at $80 monthly or $956 annually. Below is a complete list of full coverage providers and rates.
| USAA | $75 | $897 |
| State Farm | $80 | $956 |
| GEICO | $86 | $1,034 |
| Allstate | $101 | $1,213 |
| Travelers | $111 | $1,334 |
| Nationwide | $113 | $1,351 |
| Progressive | $116 | $1,392 |
| Farmers | $121 | $1,452 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Jeep Patriot owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Jeep Patriot Insurance by Age
Young drivers aged 16 to 25 and seniors aged 55 and up often pay more for Jeep Patriot insurance, making it crucial to find affordable rates. Below is a breakdown of the cheapest options by age.
Cheapest Jeep Patriot Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers at $92 monthly or $1,100 annually for minimum coverage. Below is a complete list of the most affordable rates for Jeep Patriot drivers aged 16 to 25.
| USAA | $77 | $922 |
| State Farm | $92 | $1,100 |
| GEICO | $109 | $1,305 |
| Travelers | $126 | $1,508 |
| Allstate | $137 | $1,642 |
| Progressive | $169 | $2,031 |
| Farmers | $174 | $2,094 |
| Nationwide | $177 | $2,124 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Jeep Patriot Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $46 monthly or $552 annually. To compare options, see the full list of affordable Jeep Patriot insurers below:
| State Farm | $46 | $552 |
| USAA | $49 | $589 |
| GEICO | $54 | $648 |
| Travelers | $71 | $853 |
| Allstate | $72 | $860 |
| Progressive | $77 | $922 |
| Nationwide | $78 | $930 |
| Farmers | $85 | $1,018 |
Cheapest Jeep Patriot Insurance After an Accident
State Farm, GEICO and Allstate offer Jeep Patriot drivers the most affordable car insurance after an accident. For more options, see the complete list below.
| State Farm | $53 | $630 |
| USAA | $56 | $675 |
| GEICO | $71 | $852 |
| Allstate | $80 | $961 |
| Travelers | $86 | $1,033 |
| Progressive | $99 | $1,189 |
| Nationwide | $103 | $1,241 |
| Farmers | $128 | $1,541 |
Jeep Patriot Insurance Cost: Bottom Line
Make it a habit to compare rates from multiple providers to secure the cheapest car insurance. This article delves into Jeep Patriot insurance, analyzing costs across various demographic groups and highlighting the most affordable providers.
Jeep Patriot Insurance Rates: FAQ
Below are common questions about Jeep Patriot insurance costs, offering insights into what you might pay for coverage.
What company has the cheapest car insurance for a Jeep Patriot?
State Farm offers the most affordable insurance for a Jeep Patriot, with an annual minimum coverage rate of $502.
What is the average cost of car insurance for a Jeep Patriot?
The average annual cost of minimum insurance for a Jeep Patriot is $650, while full coverage averages $1,219.
Jeep Patriot Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,689 Jeep Patriot insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Jeep Patriot:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Jeep Patriot insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Jeep Patriot.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.