Best Jeep Patriot Car Insurance in 2024

Key takeaways:

• Full coverage costs around $1,258 a year or $105 each month
• A liability-only policy costs around $505 a year or $42 each month
• Highest rates are for teenage drivers at around $4,598 a year or $383 each month
• Good drivers can save as much as $519 a year by earning policy discounts
• Jeep Patriot insurance costs around $261 less per year than the average vehicle

Offered in three different styles, the Jeep Patriot was a widely available and successful vehicle from its introduction in 2007 to its discontinuation in 2017.  It was produced in Belvidere, Illinois along with the Jeep Compass.  Soon, too, the Jeep Patriot’s replacement (second generation) will be produced in the same location.

It sold well right up until it was discontinued. Car companies are not unlike any other companies and update their stock with newer models. In this case, the Jeep Patriot has been replaced by the second-generation Jeep Compass.

The average cost for car insurance for a Jeep Patriot is roughly $1,200 annually. When you are looking for a new vehicle, the cost of ownership involves more than just the selling price. A lot of different factors go into how much car insurance is. We’ll help you to understand the cost of average insurance Jeep Patriot owners can expect to see and how those rates are determined.

Is the Jeep Patriot a good car? This article will tell you everything you need to know, and help you understand Jeep Patriot insurance cost and general cost of ownership. Whether you are looking for insurance for your 2014 Jeep Patriot or another model year, we’ve got the information you need.

You can start comparing quotes for Jeep Patriot car insurance rates from some of the best car insurance companies by using our free online tool now.

Jeep Patriot Insurance Cost

The average auto insurance rates for a Jeep Patriot cost $1,258 a year or $105 a month.

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Are Jeep Patriots Expensive to Insure?

The chart below details how Jeep Patriot insurance rates compare to other SUVs like the Mercedes-Benz GLS 450, Buick Enclave, and Volvo XC90.

However, there are a few things you can do to find the cheapest Jeep insurance rates online.

Read more:

• Compare Volkswagen Car Insurance Rates 

What Impacts the Cost of Jeep Patriot Insurance?

The Jeep Patriot trim and model you choose can impact the total price you will pay for Jeep Patriot insurance coverage.

Age of the Vehicle

Older Jeep Patriot models generally cost less to insure. For example, auto insurance rates for a 2017 Jeep Patriot are $1,258, while 2010 Jeep Patriot rates are $1,074, a difference of $184.

Driver Age

Driver age can have a significant effect on Jeep Patriot car insurance rates. As an example, a 30-year-old driver pays around $55 more each year for their Jeep Patriot car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Jeep Patriot insurance rates. For example, drivers in Houston may pay $927 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Jeep Patriot car insurance. Teens and drivers in their 20’s see the highest jump in their Jeep Patriot car insurance rates with violations on their driving record.

What are the safety ratings of the Jeep Patriot?

The Insurance Institute for Highway Safety (IIHS) tests vehicles based on two criteria: crashworthiness and crash avoidance and mitigation.

Crashworthiness is how well a vehicle protects its occupants during a crash. Crash avoidance and mitigation tests technology that can prevent a crash or lessen the severity if a crash occurs.

The following video shows a test on a 2016 Jeep Patriot for side crashes.

Safety ratings are determined after one of these test crashes is initiated. Several factors are studied:

1. Measurements from the dummies post-impact
2. Survival space
3. Airbag effectiveness
4. Seat belt effectiveness

The following table shows the results of a test on the 2012 Jeep Patriot in relation to what is called “driver-side small overlap front,” one of six types of tests.

2012 Jeep Patriot Safety Ratings

When the 2012 model was tested, the front of the vehicle did not perform very well. According to IIHS, the dummy’s head barely contacted the front air bag and was vulnerable to contact with the forward side structure.

Furthermore, the seat belt allowed the dummy’s head and torso to move farther far more than it should have, and the driver’s seat tipped forward, increasing the likelihood of impact to the skull.

The side air bag did not deploy at all, further allowing the skull to be vulnerable to the side structure as well.

The next table shows the results of a moderate overlap frontal test on a 2008 model. This type of test has a vehicle move at 40 mph toward a two-foot barrier made of aluminum honeycomb.

2008 Jeep Patriot Crash Test Ratings

Here is a video of the test.

The following video shows a moderate overlap frontal test from above.

As you can see from the table, except for potential damage to the head and neck, this test went much better.

This next table shows the results of a side test on a 2008 model. A side crash test is done by smashing a 3,300-pound SUV-like barrier against the driver’s side at 31 mph. Like the other tests, dummies are placed in the tested vehicle beforehand.

Jeep Patriot Side Test Safety Rating

Here is a video of the crash test.

This final table shows the results from tests on multiple sections of a 2009 model.

Additional Jeep Patriot Safety Test Ratings

The test for roof strength went well. These tests are done to test vehicles’ durability during a rollover collision. This test is completed by pushing an angled metal plate down on one side of the roof at a slow but constant speed. The force that is required to crush the roof is then measured.

The head restraint test went well also. This test is conducted to reduce the possibility of a neck injury. It is done by measuring restraints with torso angle.

The headlight test did not yield favorable results. On the straightaway during the test, visibility was deemed inadequate on both sides of the road. On curves, visibility was consistently inadequate for each of the four tests.

Finally, the child seat anchors were found to be adequate. This test was done by evaluating the accessibility of lower anchors for the car seat as well as the force capability of the back seat seatbelts.

How does the safety of the Jeep Patriot compare to other vehicles with the same size and class?

As mentioned, the Jeep Patriot is a small SUV. This puts its curb weight, which is the weight without occupants or baggage, anywhere from 3,001-3,750 pounds.

The next table will show small SUV driver deaths in 2018 in relation to all other vehicle types. Of note is the fact that all of the vehicles studied were anywhere within one to three years old.

2018 Driver Deaths per Million by Vehicle Type

The Patriot has fewer deaths than six of the 12 total sizes measured. In comparison to the other three SUV sizes though, it has the most driver deaths within the year 2018.

So now that we’ve covered driver deaths, let’s cover occupant deaths. The following table shows vehicle occupant deaths in frontal, side, rear, and other accidents. Other accidents usually mean an accident involving a rollover.

Car Crash Deaths by Point of Impact

In each of the four categories, SUVs accounted for fewer occupant deaths than cars, but more than pickups.

This final table shows SUV driver and occupant deaths per million registered passenger vehicles that are anywhere from one to three years old. This table covers the years 2009 to 2018.

2009-2018 SUV Drive and Occupant Car Crash Deaths

While no real trends specific to SUVs can be seen, IIHS notes that the rates of deaths per 1 million registered vehicles tend to be higher for smaller vehicles. In each of these 10 years, SUVs had fewer deaths per 1 million registered vehicles than cars and pickups.

Jeep Patriot Crash Test Ratings

Good Jeep Patriot crash test ratings mean the VW is safer, which could mean cheaper Jeep Patriot car insurance rates.

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What are the safety features of the Jeep Patriot?

The 2017 Jeep Patriot is loaded with safety features to ensure the safety of you and your loved ones.

Having air bags can reduce car insurance rates. The following video shows the effectiveness of the (2012) Jeep Patriot’s air bag system.

• Anti-lock brakes – These brakes automatically sense when one or more tires have ceased rotating under extreme braking. The system modulates brake pressure to allow the stagnant tire to rotate.
• Stability control – This system senses when your vehicle’s handling limits have been exceeded. It reduces engine power and applies the brakes to keep the driver in control of the vehicle.
• Front-impact air bags – These protect the driver and front passenger’s head during a frontal crash.
• Side-impact air bags – These are also for the driver and front passenger and are designed to protect one’s torso during a side-impact collision.
• Overhead air bags – These are used to protect occupants’ heads during a side collision or rollover accident.
• Pretensioners – These automatically tighten seatbelts during a collision to position the occupant’s body in a way that would be the least harmful.
• Anti-whiplash – These head restraints automatically detect and react to a rear collision and cradle the occupant’s head to reduce the risk of neck or spinal injuries.

Up next, we’ll go in-depth on safety ratings for the Jeep Patriot.

Jeep Patriot Insurance Loss Probability

Review the Jeep Patriot car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Jeep Patriot auto insurance costs; higher percentages mean higher Jeep Patriot auto insurance costs.

Insurance Coverage Category	Loss Rate
Collision	-20%
Property Damage	39%
Comprehensive	-35%
Personal Injury	23%
Medical Payment	21%
Bodily Injury	40%
Source: Insurance Institute for Highway Safety

Jeep Patriot Finance and Insurance Cost

If you are financing a Jeep Patriot, you will pay more if you purchase Jeep Patriot auto insurance at the dealership, so be sure to shop around and compare Jeep Patriot auto insurance quotes from the best companies using our FREE tool below.

Ways to Save on Jeep Patriot Insurance

There are several ways you can save even more on your Jeep Patriot car insurance rates. Take a look at the following five tips:

• Park Your Jeep Patriot Somewhere Safe – like a Garage or Private Driveway
• Remove Young Drivers from Your Jeep Patriot Insurance Plan
• Avoid the Temptation to File a Claim for Minor Incidents
• Ask About Retiree Discounts
• Ask Your Insurance Company About Jeep Patriot Discounts

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Top Jeep Patriot Insurance Companies

The best auto insurance companies for Jeep Patriot car insurance rates will offer competitive rates, discounts, and account for the Jeep Patriot’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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How does the frequency of claims filed on Jeep Patriots affect car insurance rates?

The following table shows claim frequency and average loss payment per claim as well as average loss payment per insured vehicle. Claim frequency is shown at a rate of per 100 insured vehicles.

All this information is in relation to used vehicles that are 2016-2018 models.

Car Insurance Claim Frequency and Severity by Class

Notice how the greater the claim frequency per 100 vehicles, the greater the overall loss. The insurance company takes this increased loss into account and raises rates on liability coverage accordingly.

Liability coverage is used to cover the cost of the other driver’s bodily injuries and property if you are found to be at fault for the accident.

Your insurance provider will pay for the damage to the other driver’s car minus your deductible, and up to the covered limit outlined in your plan.

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What is the size and class of the Jeep Patriot?

The size and class of the Jeep Patriot is a small SUV. The following table shows all of the other vehicles in the small SUV class available during the Jeep Patriot’s final model year, 2017.

2017 Model Year Small SUVs

There are many options. In fact, there are options even among Jeep Patriots, with the Jeep Patriot four-door, four-wheel drive. If you are interested in other makes or other Jeep models, use the search tool located at the upper right-hand corner of the table.

In larger vehicles such as these SUVs, there is a longer distance than sedans from the front of the vehicle to the occupants, which provides extra protection.

In a collision, vehicle weight is a substantial factor in regard to occupant safety. The larger of the two vehicles will push the smaller one during the crash, and less force is exerted on the occupants of the larger vehicle.

The following table shows the weights for the different SUV sizes.

SUV Size Classifications

Next to the curb weight for very large SUVs, there is a term called “shadow”. For vehicles, the shadow is the overall length multiplied by the width in square feet. Essentially, the larger the shadow, the less force will be exerted on its occupants.

How does the size of the Jeep Patriot affect bodily injury liability car insurance rates?

If you are found to be at fault in an accident that injures another person, bodily injury liability coverage covers their medical expenses and any wages that are lost on account of the injury.

The following table shows bodily injury insurance losses for all vehicles in the small SUV class.

Small SUV Bodily Injury Insurance Losses

The Jeep Patriot four-door is one of only three vehicles to be classified as substantially worse than average at a whopping 63 percent above the average insurance loss for bodily injury. Fortunately, the Jeep Patriot four-door 4WD was only 13 percent above the average, being labeled average.

So, with such an above-average insurance loss percentage, what does that mean for the consumer?

• Low coverage average monthly premium – $89.54
• Medium coverage average monthly premium – $97.81
• High coverage average monthly premium – $102.22

The higher the coverage level, the higher the premiums. The prices listed above are for a person with a spotless driving record. While not substantially higher than average, it is just slightly above for the Jeep Patriot.

How does the size of the Jeep Patriot affect property damage liability car insurance rates?

Property damage liability coverage covers any damage you may cause to another person’s vehicle or property, such as a building front or fence.

This next table shows the property damage insurance losses for all small SUVs.

Small SUV Property Damage Car Insurance Losses

The Jeep Patriot four-door was the highest over the average out of every small SUV at 56 percent. The same model with four-wheel drive fared a little better at 27 percent.

The next three quotes are generalized estimates for low, medium, and high coverage for a person with a clean driving record.

• Low coverage average monthly premium – $94.27
• Medium coverage average monthly premium – $97.24
• High coverage average monthly premium – $98.72

The low coverage was for $20,000 in property damage liability, the medium was for $100,000, and the high was for $500,000. The jump between medium and high coverage is a substantial increase, yet the premium hike is negligible.

What is the MSRP of the Jeep Patriot?

The fair market range of a vehicle is the range of prices that Kelley Blue Book considers fair upon taking make, model, and style into account. This is different from an MSRP, or the manufacturer’s suggested retail price, which is reserved for new vehicles, usually in a new model year. Because the Jeep Patriot has been discontinued, there are no further MSRPs.

The table below shows the Fair Market Value of the Jeep Patriot by model year.

2013-2017 Jeep Patriot Fair Market Value

The further back the year, the more the price decreases. One can expect older models to have more wear, tear, and miles on the odometer.

How does the MSRP of the Jeep Patriot affect collision car insurance rates?

Collision car insurance assists in paying for the repair or replacement of your vehicle should it become damaged in an accident.

The following table shows the insurance rates for collision coverage.

Average Jeep Patriot Collision Insurance Rates by Model Year

Premium rates increased an average of $21 each year. This could partly be attributed to inflation.

How does the MSRP of the Jeep Patriot affect comprehensive car insurance rates?

This next table shows comprehensive car insurance coverage rates for the Jeep Patriot from 2013 to 2017.

Average Jeep Patriot Comprehensive Insurance Rates by Model Year

Comprehensive coverage increased about $10 per year.

What are the theft rates of the Jeep Patriot?

The National Insurance Crime Bureau conducted a study regarding car thefts that took place in 2018. The good news is the Jeep Patriot, no matter what model, did not place on the list.

How do theft rates of the Jeep Patriot affect comprehensive car insurance rates?

According to the National Criminal Justice Reference Service (NCJRS), rural areas have lower crime rates than urban areas. Insurance companies take note of whether one’s ZIP code is within an urban or rural area and adjusts your rates accordingly.

Insurance companies operate through statistics. If they see that a person’s residence is within an urban ZIP code with a high crime rate, chances are their rates will increase.

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How much will it cost to repair my Jeep Patriot?

So you’ve purchased a Jeep Patriot. Your wallet is safe for now, right?

Of course not. There are still tune-up charges such as oil changes, right? As far as the Patriot goes, we have good and bad news from Repair Pal.

The average annual cost for repairs and maintenance is $596, compared to the average of $521 for compact SUVs. The good news is that the Jeep Patriot’s average annual cost is favorable compared to the $652 average for all vehicle models.

The next table, with data from Auto Blog, shows the maintenance costs for the first five years of owning the vehicle when it is driven an average of 10,000 miles annually.

Average Jeep Patriot Yearly Maintenance Costs

Of note is the substantial increase in maintenance costs in the vehicle’s fifth year. Vehicles experience average wear and tear, and the older the vehicle is, the more likely it is to be prone to damage.

How does the cost of repairs affect collision and comprehensive car insurance rates?

As mentioned earlier, collision car insurance helps to pay for or replace your car should it become damaged in an accident.

Comprehensive car insurance does the same, but it kicks in if your vehicle is stolen or damaged in an accident other than a collision, such as a fire or vandalism.

If you experience the aforementioned issues frequently, you can expect your insurance company to consider you a higher risk and increase your rates accordingly.

Other Car Insurance Coverage Rates for Jeep Patriots

What’s more important than money? The safety of you and your loved ones, right? We are inclined to agree, which is why next we will go into how safety ratings affect insurance with the hopes that you can get the best of both worlds — safety and a fair price.

How do safety ratings of the Jeep Patriot affect Personal Injury Protection (PIP) car insurance rates?

According to IIHS, the Jeep Patriot four-door has personal injury protection losses that are 39 percent worse than the average, which is labeled “substantially worse than average” in comparison to other vehicles in the small SUV class.

How do safety ratings of the Jeep Patriot affect MedPay car insurance rates?

MedPay, or medical payments to others, is like personal injury protection except it covers medical payments not for yourself but for all of the passengers in your vehicle if they’re injured in an accident. MedPay covers medical costs no matter who caused the accident.

According to IIHS, insurance losses on medical payments were 49 percent worse than other vehicles in the same class as the Jeep Patriot. This, too, was labeled “substantially worse than average”.

How does driving record impact the car insurance cost for a Jeep Patriot?

Another factor that car insurance companies look at when deciding how much to charge in premiums is the applicant’s driving record.

A person who has a clean record will pay less for car insurance coverage than someone who has a history that includes one or more accidents or multiple traffic tickets.

Choosing to get behind the wheel of a car that is likely to cause a lot of damage to the other driver’s vehicle will also end up costing you more in premiums.

While you buy collision coverage to protect your own ride, the property damage portion of your third-party liability coverage is used to pay for repairs to the other driver’s vehicle when an accident occurs.

Insurance companies keep records of the average cost of repairs to different types of vehicles, and these figures are used to help them determine how risky a particular model is to insure.

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What facts about the Jeep Patriot are considered for car insurance costs?

The Jeep Patriot was introduced to the buying public in 2007. It is a four-door Jeep wagon and is the most economical SUV-standard crossover in North America.

This vehicle’s design is similar to the now-discontinued Cherokee. It is outfitted with a four-cylinder 2.0 or 2.4 L engine. The base model available to customers in the United States as a front-wheel-drive system. Four-wheel drive is available as an option.

Customers who are interested in a vehicle that can also handle well off-road may want to consider buying a Jeep Patriot. This model has been designed to provide a good level of maneuverability over uneven terrain and even rates well for water fording.

Does the Jeep Patriot’s SUV classification affect its car insurance cost?

As a rule, buying and owning an SUV is not cheap. Customers who want to buy this type of vehicle are prepared to pay a higher sticker price, and they will definitely be paying more at the pump to keep their vehicle filled up with gas.Jeep Patriots are also not one of the cheapest cars to insure.

Car insurance companies also charge higher rates to cover a vehicle in this class as well.

For one thing, when an SUV collides with a smaller vehicle, it has the potential to cause a significant amount of damage to the other vehicle.

When insurance companies are looking at paying out higher costs for repairs after an at-fault accident, they pass them on to their policyholders.

Another issue for SUV buyers is that these vehicles also tend to be top-heavy, and they have a higher potential for flipping over in an accident.

They are also more likely to flip over when the driver is performing a high-speed turn or trying to avoid an accident. These lower safety ratings mean higher insurance costs.

What else should I know about car insurance cost for a Jeep Patriot?

The Jeep Patriot will appeal to customers who want to drive an SUV but who still want to keep costs down. The average cost of insuring this vehicle may vary from $1,000 to $1,250 per year, which is quite reasonable for a vehicle in this class.

You can keep the cost of insuring a Jeep Patriot or any other vehicle down by making a point of shopping around for coverage. Each insurance company is different regarding the level of risk that it is prepared to accept when providing coverage to a customer.

While all companies may consider similar factors when deciding how much to charge in premiums, they don’t give each one the same weight.

Going online is an effective strategy for customers who want to keep their car insurance costs down. The internet is available on a 24/7 basis to provide you with information about different insurers and the products they offer.

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The History of the Jeep Patriot

The Jeep Patriot is an SUV initially introduced in early 2007 by the Jeep division of Chrysler. It is regarded as the least-expensive SUV in North America.

Often compared with the Jeep Compass, the Patriot is traditionally styled with four doors and lacks the hatchback look of the Compass. In 2011, the Jeep Patriot received minor interior and exterior upgrades. On the exterior, the style was altered slightly while the interior had the same done as well as upgraded suspension.

Read More: Compare Chrysler Car Insurance Rates

While the Jeep Patriot was discontinued in 2017, it is still sold on some lots today. The following table will show its most recent sales record, courtesy of goodcarbadcar.net, pooled in January 2020.

Jeep Patriot Sales 2018-2019

While the vehicle is being sold, it is in the process of being phased out completely.

 

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