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2010 Jeep Compass Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2010 Jeep Compass are $1,088 a year including full coverage. Comprehensive insurance costs on average $184, collision costs $272, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,348 or more. Teenage drivers receive the highest rates at $4,326 a year or more.

Annual premium for full coverage: $1,088

Rate estimates for 2010 Jeep Compass Insurance

Comprehensive $184
Collision $272
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Jeep Compass models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $522 for just liability insurance to the much higher price of $2,348 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,088
High Risk $2,348

View Chart as Image

2010 Jeep Compass insurance rates compared
Column chart showing 2010 Jeep Compass insurance prices range from $651 to $4,326 for full coverage

These differences highlight why everyone should compare prices based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Jeep Compass Insurance

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Expensive auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Having so many different company options, it is very difficult to locate the most cost effective car insurance company.

It’s important to compare rates occasionally because insurance rates trend upward over time. Despite the fact that you may have had the best rates on Compass insurance a couple years back you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online, so I’m going to show you some good information on how to save money.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t necessarily list all available discounts very well, so we break down some of the best known and the more hidden auto insurance savings.

  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Accident Waiver – Some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Memberships – Being a member of certain professional organizations may earn a discount when shopping for auto insurance on Compass insurance.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

Insurance companies that may have these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. Savings might not be offered in every state.

Your coverage should be tailored to you

When it comes to buying coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • When should my teen driver be added to my policy?
  • Why do I need rental car insurance?
  • Do I really need UM/UIM coverage?
  • When do I need to add a new car to my policy?
  • Does having multiple vehicles earn me a discount?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need replacement cost coverage?
  • Is my 2010 Jeep Compass covered for flood damage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Ads can be misleading

Insurance coverage providers like Allstate and Progressive continually stream ads in print and on television. They all have a common claim about savings after switching your policy. How do they all make the same claim?

All companies are able to cherry pick for the right customer that is profitable for them. An example of a preferred risk could be between the ages of 40 and 55, is a homeowner, and has excellent credit. A customer that hits that “sweet spot” will get the preferred rates and therefore will save when switching.

Potential insureds who are not a match for the “perfect” profile will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save money. That’s why companies can make those claims. This emphasizes why you should get a wide range of price quotes. You cannot predict which company will have the lowest Jeep Compass insurance rates.

Auto insurance coverages

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, fire damage, hitting a deer, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, rehabilitation expenses, nursing services, chiropractic care and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your Compass from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Auto liability – This protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, pain and suffering and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Jeep Compass.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Shop Smart and Save

Cheap 2010 Jeep Compass insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. In too many instances, drivers have reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented many ways to save on insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Additional information can be found at the links below

Rates by U.S. City

2010 Jeep Compass Insurance Rates by City
City Premium
New York City, NY $1,719
Los Angeles, CA $1,860
Philadelphia, PA $1,453
Jacksonville, FL $1,580
Phoenix, AZ $1,266
Chicago, IL $1,458
Houston, TX $1,706
Seattle, WA $1,061
Columbus, OH $910
Indianapolis, IN $924

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Jeep Compass Insurance Rates by Driver Age
Driver Age Premium
16 $4,326
20 $2,496
30 $1,114
40 $1,088
50 $996
60 $976

Full coverage, $500 deductibles

Rates by Deductible

2010 Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,088
$1,000 $984

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,088
50/100 $1,183
100/300 $1,301
250/500 $1,609
100 CSL $1,230
300 CSL $1,491
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $6,114
20 $3,980
30 $2,372
40 $2,348
50 $2,244
60 $2,222

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $148

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $74
Total Discounts $437
Rate after discounts $651

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Jeep Compass Insurance Rates by State
State Premium
Alabama $984
Alaska $834
Arizona $904
Arkansas $1,088
California $1,240
Colorado $1,040
Connecticut $1,120
Delaware $1,232
Florida $1,362
Georgia $1,002
Hawaii $782
Idaho $736
Illinois $810
Indiana $818
Iowa $734
Kansas $1,036
Kentucky $1,484
Louisiana $1,610
Maine $672
Maryland $896
Massachusetts $872
Michigan $1,890
Minnesota $910
Mississippi $1,304
Missouri $966
Montana $1,168
Nebraska $858
Nevada $1,306
New Hampshire $784
New Jersey $1,216
New Mexico $964
New York $1,146
North Carolina $626
North Dakota $892
Ohio $752
Oklahoma $1,118
Oregon $996
Pennsylvania $1,038
Rhode Island $1,450
South Carolina $986
South Dakota $920
Tennessee $954
Texas $1,312
Utah $804
Vermont $746
Virginia $650
Washington $842
West Virginia $998
Wisconsin $754
Wyoming $970

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