FM radio antennas are not necessarily tuned or optimized for the actual band they operate in. A 1/4 wave whip needs to be ~30 inches long. Many hand-held radios compromise on size for style. A patch antenna at this frequency would be the size of a suitcase.
Dielectric loading could reduce the size of a patch but would narrow the bandwidth. "F" antennas are used to reduce size for frequency bands just above the FM band (Orbcomm and aircraft).
Previous pointers found in this earlier thread may help.
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