Jeep Patriot insurance costs vary by model year, with 2017 models averaging $217 monthly compared to just $57 for older Patriots. Newer vehicles cost more to insure because they're worth more based on fair market value.
Jeep Patriot Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Jeep Patriot owners, though full coverage costs vary widely by model year and insurer with an average of $180 monthly. Read more.
The Patriot ranks 52nd out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs but expensive compared to all vehicles since SUVs have higher premiums. Read more.
Getting precise rates means checking costs for your Patriot's specific model year, especially if you're insuring a teen driver who greatly impacts premiums. Read MoneyGeek's analysis of rates by company for specific Patriot model years depending on the age of the drivers.
How Much Is Jeep Patriot Insurance?
Looking for another Jeep model? Read more about the cost of Jeep car insurance models.
Insurance rates depend on model year and insurer. Jeep Patriot minimum coverage costs span $55 monthly with GEICO to $145 with UAIC, while full coverage goes from $117 monthly with GEICO to $295 with AIG.
Rate variations (more than $90 for minimum coverage and $178 for full coverage) highlight why comparing insurers matters for Patriot owners. Companies calculate risk differently for each model, which impacts your final rate.
| AAA | $86 | $178 |
| AIG | $118 | $295 |
| Allstate | $102 | $196 |
| Amica | $92 | $188 |
| Chubb | $113 | $221 |
| Farmers | $112 | $197 |
| Geico | $55 | $117 |
| Kemper | $89 | $177 |
| Nationwide | $107 | $184 |
| Progressive | $88 | $163 |
| State Farm | $76 | $157 |
| The Hartford | $91 | $155 |
| Travelers | $77 | $141 |
| UAIC | $145 | $181 |
Is Jeep Patriot Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Jeep Patriot's insurance affordability, ranking 52nd with 51 more affordable options available. It costs a few dollars more per month than a Dodge Nitro but runs slightly cheaper than a Mitsubishi Eclipse Cross. This middle-of-the-pack positioning among SUVs tells only part of the story about your potential insurance costs.
While SUVs generally carry higher insurance rates, the Patriot actually ranks 223rd out of 827 total vehicles, placing it in the top 27% most affordable models overall. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums in the category.
| Honda Passport | $118 | 49 |
| Hyundai Veracruz | $119 | 50 |
| Dodge Nitro | $120 | 51 |
| Jeep Patriot | $120 | 52 |
| Mitsubishi Eclipse Cross | $121 | 53 |
| GMC Yukon | $121 | 53 |
| Chevrolet Trailblazer | $121 | 54 |
| Alfa Romeo Tonale | $121 | 55 |
Your Jeep Patriot insurance costs depend on:
- Average repair or replacement costs: Repair and maintenance expenses directly impact your insurance premiums, as higher vehicle service costs usually lead to increased coverage rates for insurers.
- Vehicle trim, features and accessories: With horsepower ranging from 158 to 172, the Patriot's performance capabilities directly impact premiums. Higher-performance trims cost more to insure since increased power often raises risk factors for insurers.
- Driver profile: Most Patriot drivers fall in the 30 to 40 age range, which usually enjoys lower rates due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Jeep Patriots for young drivers.
Jeep Patriot Insurance Cost by State
Car insurance for a Jeep Patriot costs as little as $26 per month in Wyoming or as much as $158 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle model itself.
| Alabama | $67 | $125 |
| Alaska | $56 | $118 |
| Arizona | $97 | $180 |
| Arkansas | $65 | $145 |
| California | $76 | $154 |
| Colorado | $75 | $179 |
| Connecticut | $120 | $205 |
| Delaware | $120 | $200 |
| Florida | $115 | $267 |
| Georgia | $125 | $206 |
| Hawaii | $41 | $91 |
| Idaho | $45 | $90 |
| Illinois | $75 | $139 |
| Indiana | $52 | $101 |
| Iowa | $41 | $99 |
| Kansas | $56 | $131 |
| Kentucky | $101 | $172 |
| Louisiana | $158 | $342 |
| Maine | $41 | $84 |
| Maryland | $135 | $228 |
| Massachusetts | $81 | $170 |
| Michigan | $112 | $213 |
| Minnesota | $63 | $129 |
| Mississippi | $67 | $134 |
| Missouri | $90 | $180 |
| Montana | $54 | $126 |
| Nebraska | $56 | $128 |
| Nevada | $150 | $272 |
| New Hampshire | $57 | $99 |
| New Jersey | $134 | $220 |
| New Mexico | $66 | $146 |
| New York | $99 | $177 |
| North Carolina | $63 | $123 |
| North Dakota | $42 | $92 |
| Ohio | $62 | $121 |
| Oklahoma | $71 | $158 |
| Oregon | $103 | $180 |
| Pennsylvania | $68 | $159 |
| Rhode Island | $99 | $176 |
| South Carolina | $83 | $154 |
| South Dakota | $39 | $115 |
| Tennessee | $65 | $129 |
| Texas | $104 | $212 |
| Utah | $91 | $154 |
| Vermont | $33 | $77 |
| Virginia | $78 | $127 |
| Washington | $76 | $142 |
| West Virginia | $67 | $136 |
| Wisconsin | $51 | $112 |
| Wyoming | $26 | $79 |
Jeep Patriot Costs by Model Year and Insurance Company
Model year and driver age impact your Jeep Patriot insurance costs. A 2017 Jeep Patriot costs an average of $203 per month for full coverage if you're between 35 and 55 years old, while a 2008 model runs about $184 monthly. Newer models cost more to insure than older ones and young drivers in their teens and early 20s pay much higher premiums across all years.
National General offers the cheapest rates across all Jeep Patriot model years. Shopping between insurers could save certain drivers hundreds of dollars per month versus average rates.
Cost of Car Insurance for 2017 Jeep Patriot
| Geico | $61 | $132 |
| National General | $61 | $126 |
| Travelers | $87 | $159 |
| State Farm | $93 | $192 |
| Progressive | $95 | $178 |
| AAA | $96 | $199 |
| Amica | $97 | $199 |
| Kemper | $105 | $209 |
| The Hartford | $107 | $183 |
| Allstate | $109 | $211 |
| Farmers | $128 | $226 |
| Nationwide | $132 | $226 |
| AIG | $134 | $340 |
| Chubb | $138 | $270 |
| UAIC | $155 | $195 |
Cost of Car Insurance for 2016 Jeep Patriot
| Geico | $52 | $112 |
| National General | $52 | $107 |
| Travelers | $74 | $135 |
| State Farm | $79 | $164 |
| Progressive | $81 | $152 |
| AAA | $82 | $169 |
| Amica | $83 | $169 |
| Kemper | $89 | $178 |
| The Hartford | $91 | $156 |
| Allstate | $93 | $180 |
| Farmers | $109 | $193 |
| Nationwide | $112 | $193 |
| AIG | $114 | $290 |
| Chubb | $118 | $230 |
| UAIC | $132 | $166 |
Jeep Patriot Insurance Cost by Trim
Insurance costs for your Jeep Patriot range from $57 monthly for minimum coverage on basic Altitude Edition Sport Utility 4d models to $217 for full coverage on Latitude X Sport Utility 4d variants. Performance features, market value and rarity determine where each trim falls in this cost spectrum.
| Altitude Edition Sport Utility 4d | $57 | $110 |
| High Altitude Edition Sport Utility 4d | $76 | $147 |
| Sport Suv 4d | $77 | $148 |
| Latitude Sport Utility 4d | $82 | $158 |
| Sport Utility 4d | $83 | $159 |
| 75th Anniversary Sport Utility 4d | $85 | $164 |
| Limited Sport Utility 4d | $89 | $171 |
| Sport Se Sport Utility 4d | $90 | $173 |
| Latitude X Sport Utility 4d | $113 | $217 |
How to Lower the Cost of Jeep Patriot Insurance
These proven strategies help you lower your Jeep Patriot insurance costs without sacrificing coverage:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Jeep Patriot. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for compact SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Jeep Patriot.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers could provide limited coverage or slower service when you need them most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Jeep Patriot owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto and home policies. These savings can reduce your annual premiums.
- 5Consider Alternative Car Insurance Types
Jeep Patriot owners might benefit from usage-based insurance programs. Options like Progressive Snapshot telematics or Allstate Drivewise safe driving apps track your driving habits and offer premium reductions based on safe driving behavior, mileage and driving times.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Jeep Patriot insurance. Market conditions and your driving record change, affecting available rates.
Jeep Patriot Insurance Cost: Bottom Line
Jeep Patriot insurance costs less than average, though you'll still want to shop around for the best rates. Compare quotes from multiple insurers and look into available discounts to get affordable coverage.
Jeep Patriot Insurance Rates: FAQ
What is the average cost of car insurance for a Jeep Patriot?
Jeep Patriot insurance costs $989 annually for state minimum coverage and $1,901 for full coverage. These rates represent competitive pricing within the compact SUV segment.
What company has the cheapest car insurance for a Jeep Patriot?
GEICO provides the most affordable minimum coverage for a Jeep Patriot at $655 annually. The company also delivers the best value for full coverage at $1,584 per year.
Are Jeep Patriots expensive to insure?
No, Jeep Patriot insurance is not expensive compared to most vehicles. Among SUVs specifically, this model ranks 52nd out of 256 for affordability, placing it in the more affordable tier within its vehicle category.
What factors affect insurance costs for Jeep Patriots?
Multiple factors affect your Jeep Patriot insurance rates. The vehicle has moderate theft rates and average repair costs for compact SUVs, while safety ratings are decent but not exceptional. Your driving record, credit score and coverage selection affect your final premium costs.
How can I lower Jeep Patriot insurance costs?
Compare quotes from several insurers since Jeep Patriot pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to get better rates.
How We Determined Jeep Patriot Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Jeep Patriot insurance costs.
Who We Based These Rates On
These Jeep Patriot rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.