Car Insurance Cost for a Jeep Patriot

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Here's what you need to know...
  • The Jeep Patriot is an SUV, and as such will be more costly to insure than a sedan
  • Your driving record will have a big impact on your insurance premiums
  • The Patriot doesn’t have excellent fuel efficiency


You can expect to pay car insurance costs of around $1,200 per year for a Jeep Patriot. When you are looking for a new vehicle, the cost of ownership involves more than just the selling price.

You must also budget for fuel and repairs when you are deciding on a particular make or model.

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The make and model of the car you drive are two of the factors that an insurer considers when determining how much to charge for coverage.

When you choose a vehicle that is more likely to be involved in an accident or that is often targeted by thieves, you can expect to have to pay more for this necessary protection.

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

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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 has 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?

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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.

Auto 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?

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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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