The Jeep Patriot is a compact crossover SUV that first debuted in the U.S. in 2006. While Jeep discontinued the Patriot after the 2017 model year, you can still find many of these vehicles on the road today. No matter which type of Patriot you drive, it needs to be protected with the right car insurance.
When it's time to find the best Jeep Patriot insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Jeep Patriot at a great rate. But first, here's a deep dive into how much it costs to insure a Jeep Patriot by model year and top-rated insurance company in 2026.
Key Takeaways - Jeep Patriot Car Insurance
- Jeep Patriot insurance costs an average of $1,454 per year, or approximately $123 per month, for full coverage in 2026.
- Your age, location, and vehicle's trim level can all impact the cost of Jeep Patriot insurance.
- USAA, American Family, and Progressive are the cheapest carriers for model-year 2017 Jeep Patriot insurance this year.
- Jeep Patriot insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $26 monthly for minimum coverage, while those in Louisiana pay $158.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Jeep Patriot model.
What Is Jeep Patriot Insurance?
Jeep Patriot insurance is a special type of car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Patriot may require additional coverage beyond that of standard sedans. The Patriot's average car insurance rates also trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Jeep Patriot drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Jeep Patriot:
- Gap insurance: If you have a new or financed Jeep vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Jeep warranty insurance: This can extend Jeep's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Jeep parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Most states require several types of car insurance. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Patriot so you can avoid fines and other penalties.
How Much Does Jeep Patriot Insurance Cost?
The average cost of car insurance for a Jeep Patriot is $1,454 per year, or approximately $123 per month, for full coverage. However, several factors can influence the cost of Jeep insurance, including:
- The specific type of Patriot you drive
- Your driving history
- Your location
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Jeep Patriot full coverage insurance or a basic Jeep Patriot liability insurance policy.
Is the Jeep Patriot Expensive to Insure?
No, the Jeep Patriot isn't expensive to insure on average. The average monthly cost of Jeep Patriot auto insurance is $123, while the average for other SUVs is $184.
Jeep Patriot Insurance Costs by Model Year
Next, we'll break down several model years of the Jeep Patriot and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
|---|---|
| 2017 Jeep Patriot | $1,675 |
| 2016 Jeep Patriot | $1,575 |
| 2015 Jeep Patriot | $1,493 |
| 2014 Jeep Patriot | $1,464 |
| 2013 Jeep Patriot | $1,420 |
| 2012 Jeep Patriot | $1,411 |
| 2011 Jeep Patriot | $1,362 |
Cheapest Jeep Patriot Car Insurance Companies for 2026
You can find affordable Jeep Patriot insurance from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2017 Jeep Patriot insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Car Insurance |
|---|---|
| USAA | $1,220 |
| American Family | $1,248 |
| Progressive | $1,284 |
| Erie | $1,484 |
| Nationwide | $2,204 |
| Allstate | $2,312 |
Jeep Patriot Car Insurance Rates by State
Your location is a major factor that affects car insurance costs. Here are some average auto insurance rates for the Jeep Patriot by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
Average Jeep Patriot Insurance Rates by Driver Age
A driver's age is another major factor that goes into the calculation of car insurance premiums. Teens and young drivers are likely to pay the most, by far, for Jeep Patriot insurance. Car insurance rates typically begin to drop dramatically around age 25. Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years.
Average Jeep Patriot Insurance Rates by Trim Level
Your vehicle's specific trim level can also affect the cost of your auto insurance. Here are some average Jeep Patriot insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 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 |
| 7Sport SE Sport Utility 4D | $90 | $173 |
| Latitude X Sport Utility 4D | $113 | $217 |
Best Jeep Patriot Insurance Discounts: How to Lower Your Jeep Patriot Insurance Premiums
Want to save more money on Jeep Patriot auto insurance? Any of the following tips can help you potentially reduce your Patriot insurance premiums even further:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Jeep may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Jeep Patriot insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Jeep Patriot insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Jeep Patriot insurance from a trusted carrier near you.
Working with an independent insurance agent is the easiest way to save the most money possible on Jeep Patriot insurance. They can recommend additional strategies to lower your auto insurance premiums.
An Independent Insurance Agent Can Help You Get the Best Jeep Patriot Insurance Quotes
When it's time to find the most affordable Jeep Patriot insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Jeep Patriot insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Jeep Patriot Insurance
How much does Jeep Patriot insurance cost per year?
The average annual cost of full coverage for a Jeep Patriot is $1,454 per year, or approximately $123 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Jeep Patriot insurance premiums?
Having poor credit, traffic accidents or violations on your record, or filing past claims can all increase the cost of Patriot insurance.
Is the Jeep Patriot expensive to insure?
No, the Jeep Patriot isn't expensive to insure on average. The cost of a six-month full coverage policy is only $737.
What are the best and cheapest carriers for Jeep Patriot insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2017 Jeep Patriot insurance this year.
Is insurance cheaper for the Patriot than for other SUVs?
Yes, the Jeep Patriot's average insurance rates are cheaper than those for other SUVs. While the Patriot's average full coverage rates are just $123 per month, other SUVs average $184 per month.
How can I get cheaper Jeep Patriot insurance?
Finding cheaper Jeep Patriot insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/jeep/patriot/
https://www.moneygeek.com/insurance/auto/jeep-patriot-insurance/