2013 Jeep Compass Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2013 Jeep Compass are $1,166 a year for full coverage. Comprehensive costs an estimated $210 each year, collision insurance costs $338, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,518. Teenage drivers receive the highest rates at up to $4,562 a year.
Annual premium for full coverage: $1,166
Rate estimates for 2013 Jeep Compass Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 a middle-aged driver, prices range range from as low as $510 for a discount liability-only rate to a high rate of $2,518 for a high risk driver.
These differences show why all drivers should compare prices for a targeted area 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 2013 Jeep Compass Insurance
Want better insurance coverage rates for your Jeep Compass? Having to pay for overpriced Jeep Compass insurance can overdraw your bank account and make it hard to pay other bills. Shopping your coverage around is a great way to lower your monthly bill.
Because there are so many choices, it can be impossible to pick the cheapest company.
You should make it a habit to compare prices at least once a year since rates change frequently. Even if you got the lowest price for Compass insurance a year ago there is a good chance you can find better rates now. So forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the things you must know in order to lower your annual insurance bill.
Compare Auto Insurance Costs
All major auto insurance companies provide price estimates directly from their websites. Getting quotes is quite easy as you simply enter the amount of coverage you want into a form. Behind the scenes, the system sends out for information on your driving record and credit history and provides a quote. Quoting online helps simplify price comparisons, but the process of having to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find the lowest auto insurance rates.
An easier way to lower your rates requires only one form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much easier to do. Immediately after you send the form, it gets priced and you can select your choice of the returned quotes.
If you find a better price you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and may result in a nice savings.
To save time and find out how much you can save on auto insurance, click here and input your coverage information. If you have a policy now, it’s recommended you duplicate the coverage information identical to your current policy. This makes sure you’re receiving a fair comparison using the same coverage and limits.
Save $481 a year? Really?
Insurance coverage companies such as Allstate, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise that you can save after switching to them. How does each company make almost identical claims? This is how they do it.
All companies are able to cherry pick for the driver that is profitable for them. For example, a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a high credit rating. A driver who meets those qualifications will get very good rates and is almost guaranteed to save when switching.
Potential customers who don’t meet these standards will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much. This is how insurance companies can state the savings.
This emphasizes why you should get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest Jeep Compass insurance rates.
Jeep Compass insurance premiums are calculated by many factors
Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. Knowing what influences your rates enables informed choices that will entitle you to better insurance rates.
The list below includes a few of the “ingredients” insurance companies consider when setting prices.
- Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
- Your occupation can affect rates – Jobs such as real estate brokers, social workers and financial analysts have higher average rates because of high stress and lengthy work days. Conversely, occupations such as pilots, engineers and retirees get better rates for Compass insurance.
- Women pay lower rates – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
- Tickets mean higher rates – A bad driving record has a big impact on rates. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Just one citation can bump up the cost forty percent or more. If you have severe violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- Safer occupants lowers premiums – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If the Jeep Compass earned at least four stars on Safercar.gov it may be receiving lower rates.
Companies offer discounts so take them!
The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Most are applied when you purchase, but a few need to be requested specifically in order for you to get them.
- Student in College – Kids in college who live away from home and don’t have a car may be able to be covered for less.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.
- Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Compass insurance than less cautious drivers.
- Fewer Miles Equal More Savings – Fewer annual miles on your Jeep can earn discounted rates on garaged vehicles.
A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But any discount will bring down the cost of coverage.
To see a list of providers with discount auto insurance rates, click here.
Do I just need basic coverages?
When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out if your situation might need professional guidance.
- Am I getting all the discounts available?
- Is extra glass coverage worth it?
- Do I need replacement cost coverage on my 2013 Jeep Compass?
- Should I rate my 2013 Jeep Compass as pleasure use or commute?
- What if I don’t agree with a claim settlement offer?
- How do I buy GAP insurance?
- Is other people’s property covered if stolen from my vehicle?
- Is upholstery damage covered by car insurance?
- If I drive on a suspended license am I covered?
- Do I need PIP coverage since I have good health insurance?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Auto insurance coverages
Having a good grasp of car insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.
This coverage will pay to fix damage to your Compass resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims like driving through your garage door, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2013 Jeep Compass.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.
This will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like funeral expenses, loss of income, court costs and attorney fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from flooding, theft, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical costs insurance
Med pay and PIP coverage kick in for short-term medical expenses like surgery, hospital visits, chiropractic care, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
More choices the merrier
We just presented many ways to get a better price on 2013 Jeep Compass insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the least-expected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like State Farm, GEICO and Nationwide.
Discount insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.
As you shop your coverage around, you should never reduce needed coverages to save money. In many instances, drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Much more information about insurance coverage can be read at the links below
Rates by U.S. City
|New York City, NY||$1,842|
|Los Angeles, CA||$1,992|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$78|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.