Jeep Compass Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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It might seem like a difficult task when you begin shopping around for Jeep Compass insurance rates. While the average Jeep Compass rates amount to $1,324 a year for full coverage, there are several individual factors that ultimately make up your rate, such as the model year of your car.

For example, 2018 Jeep Compass insurance costs are cheaper than a 2020 model because the former is two years older, and therefore not as valuable. 

We have prepared this in-depth guide to help you as you begin your search for Jeep Compass insurance. By reading through it, you will learn helpful information on the cost of a Jeep Compass, and average Jeep Compass yearly insurance rates based on your age, location, and driving history.

Take advantage of our free online quote tool to start comparing Jeep Compass insurance rates now.

Estimated auto insurance rates for a Jeep Compass are $1,284 annually with full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $446, and liability coverage costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,782 or more. Teen drivers pay the most at $4,904 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Comprehensive $250
Collision $446
Liability $430

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Compass models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Jeep Compass go from as cheap as $486 for just the minimum liability insurance to a high rate of $2,782 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,284
High Risk $2,782

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

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

Additional Rate Analysis

The chart below details estimated Jeep Compass insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $746
  • Using higher $1,000 deductibles will save approximately $158 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,284
  • Choosing low deductibles for physical damage coverage costs an additional $308 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,782 or more
  • An auto insurance policy with full coverage for a teenage driver can cost as much as $4,904 or more

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing full coverage Jeep Compass insurance prices range from $746 to $4,904

Auto insurance prices for a Jeep Compass also have a wide range based on the model of your Compass, your driving record, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $470 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Jeep Compass insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$122 -9.5%
Alaska $986 -$298 -23.2%
Arizona $1,066 -$218 -17.0%
Arkansas $1,284 -$0 0.0%
California $1,464 $180 14.0%
Colorado $1,228 -$56 -4.4%
Connecticut $1,322 $38 3.0%
Delaware $1,454 $170 13.2%
Florida $1,608 $324 25.2%
Georgia $1,186 -$98 -7.6%
Hawaii $922 -$362 -28.2%
Idaho $868 -$416 -32.4%
Illinois $956 -$328 -25.5%
Indiana $968 -$316 -24.6%
Iowa $868 -$416 -32.4%
Kansas $1,222 -$62 -4.8%
Kentucky $1,752 $468 36.4%
Louisiana $1,902 $618 48.1%
Maine $792 -$492 -38.3%
Maryland $1,060 -$224 -17.4%
Massachusetts $1,028 -$256 -19.9%
Michigan $2,232 $948 73.8%
Minnesota $1,076 -$208 -16.2%
Mississippi $1,538 $254 19.8%
Missouri $1,140 -$144 -11.2%
Montana $1,382 $98 7.6%
Nebraska $1,014 -$270 -21.0%
Nevada $1,540 $256 19.9%
New Hampshire $926 -$358 -27.9%
New Jersey $1,436 $152 11.8%
New Mexico $1,138 -$146 -11.4%
New York $1,354 $70 5.5%
North Carolina $740 -$544 -42.4%
North Dakota $1,054 -$230 -17.9%
Ohio $888 -$396 -30.8%
Oklahoma $1,320 $36 2.8%
Oregon $1,176 -$108 -8.4%
Pennsylvania $1,228 -$56 -4.4%
Rhode Island $1,714 $430 33.5%
South Carolina $1,164 -$120 -9.3%
South Dakota $1,084 -$200 -15.6%
Tennessee $1,126 -$158 -12.3%
Texas $1,550 $266 20.7%
Utah $952 -$332 -25.9%
Vermont $880 -$404 -31.5%
Virginia $770 -$514 -40.0%
Washington $994 -$290 -22.6%
West Virginia $1,178 -$106 -8.3%
Wisconsin $890 -$394 -30.7%
Wyoming $1,146 -$138 -10.7%

View Chart as Image

Jeep Compass insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Jeep Compass Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jeep Compass Sport 2WD $1,206 $101
Jeep Compass Sport 4WD $1,246 $104
Jeep Compass Limited 2WD $1,284 $107
Jeep Compass Limited 4WD $1,324 $110

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Jeep Compass Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Jeep Compass $250 $446 $430 $1,284
2017 Jeep Compass $218 $376 $456 $1,208
2016 Jeep Compass $210 $338 $460 $1,166
2012 Jeep Compass $172 $252 $474 $1,056
2011 Jeep Compass $166 $228 $478 $1,030
2007 Jeep Compass $140 $166 $460 $924

Rates are averaged for all Jeep Compass models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Low Cost Jeep Compass Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The list below is a review of the data that was covered in the charts and tables above.

  • You may be able to save approximately $150 per year simply by quoting online in advance
  • Consumers who want higher liability limits will pay about $470 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • Teenagers are the costliest to insure, possibly costing $409 per month if full coverage is included
  • Drivers who have several accidents or serious violations pay on average $1,500 more annually for car insurance

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Jeep Compass insurance costs. If you want to bypass the theoretical part of shopping for insurance, take advantage of our free quote tool below to start comparing quotes from multiple companies right now.

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What are the Jeep Compass safety ratings?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Jeep Compass.

One way you can end up saving money on Compass car insurance is by pointing to the fact that it received positive crash test results.

Take a look at the following safety ratings of the Jeep Compass as determined by the Insurance Institute for Highway Safety (IIHS).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

As you can see from these results, the Jeep Compass received the highest mark possible in all six categories.

Jeep Compass Compared Against Other Vehicles in the Same Class

Classified as a small SUV, the Jeep Compass is heavier than a lot of sedans but also lighter than some three-row SUVs. While heavier models typically translate to lower insurance rates, small SUVs are arguably the fastest-growing vehicle segment in the market.

Take a look at the following small SUVs to see how their average insurance rates compare to the Jeep Compass.

To this point, we have gone into excessive detail about Jeep Compass insurance costs. Do you believe there are any details we might have missed or any topics you want to know more about? If not, be sure to use our free online tool to start comparing Jeep Compass insurance quotes from multiple companies today.

Rates by Driver Age

Jeep Compass Insurance Rates by Driver Age
Driver Age Premium
16 $4,904
20 $2,968
30 $1,332
40 $1,284
50 $1,176
60 $1,152

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,450
$500 $1,284
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,410
100/300 $1,518
250/500 $1,797
100 CSL $1,453
300 CSL $1,690
500 CSL $1,862

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $6,974
20 $4,726
30 $2,834
40 $2,782
50 $2,656
60 $2,632

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $90
Total Discounts $538
Rate after discounts $746

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

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