Jeep Compass Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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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.
Average insurance rates for a Jeep Compass are $1,208 a year for full coverage. Comprehensive insurance costs on average $218, collision costs $376, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,620 or more. 16-year-old drivers receive the highest rates at $4,704 a year or more.
Average premium for full coverage: $1,208
Rate estimates by individual coverage type:
Includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Compass trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $508 for basic liability insurance to a much higher rate of $2,620 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples show why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on rate 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.
Rate Comparisons
The chart below shows estimated Jeep Compass insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $709
- Choosing higher $1,000 deductibles can save around $134 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,208
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $264 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,620 or more
- The cost that insures a teen driver with full coverage may cost $4,704 each year
Auto insurance rates for a Jeep Compass can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Jeep Compass insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or at least $1,730 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$114 | -9.4% |
| Alaska | $928 | -$280 | -23.2% |
| Arizona | $1,004 | -$204 | -16.9% |
| Arkansas | $1,208 | -$0 | 0.0% |
| California | $1,380 | $172 | 14.2% |
| Colorado | $1,158 | -$50 | -4.1% |
| Connecticut | $1,242 | $34 | 2.8% |
| Delaware | $1,370 | $162 | 13.4% |
| Florida | $1,514 | $306 | 25.3% |
| Georgia | $1,116 | -$92 | -7.6% |
| Hawaii | $870 | -$338 | -28.0% |
| Idaho | $816 | -$392 | -32.5% |
| Illinois | $902 | -$306 | -25.3% |
| Indiana | $912 | -$296 | -24.5% |
| Iowa | $816 | -$392 | -32.5% |
| Kansas | $1,150 | -$58 | -4.8% |
| Kentucky | $1,650 | $442 | 36.6% |
| Louisiana | $1,790 | $582 | 48.2% |
| Maine | $748 | -$460 | -38.1% |
| Maryland | $996 | -$212 | -17.5% |
| Massachusetts | $966 | -$242 | -20.0% |
| Michigan | $2,102 | $894 | 74.0% |
| Minnesota | $1,014 | -$194 | -16.1% |
| Mississippi | $1,448 | $240 | 19.9% |
| Missouri | $1,072 | -$136 | -11.3% |
| Montana | $1,300 | $92 | 7.6% |
| Nebraska | $952 | -$256 | -21.2% |
| Nevada | $1,450 | $242 | 20.0% |
| New Hampshire | $872 | -$336 | -27.8% |
| New Jersey | $1,350 | $142 | 11.8% |
| New Mexico | $1,072 | -$136 | -11.3% |
| New York | $1,274 | $66 | 5.5% |
| North Carolina | $696 | -$512 | -42.4% |
| North Dakota | $990 | -$218 | -18.0% |
| Ohio | $836 | -$372 | -30.8% |
| Oklahoma | $1,242 | $34 | 2.8% |
| Oregon | $1,106 | -$102 | -8.4% |
| Pennsylvania | $1,152 | -$56 | -4.6% |
| Rhode Island | $1,614 | $406 | 33.6% |
| South Carolina | $1,094 | -$114 | -9.4% |
| South Dakota | $1,020 | -$188 | -15.6% |
| Tennessee | $1,060 | -$148 | -12.3% |
| Texas | $1,458 | $250 | 20.7% |
| Utah | $896 | -$312 | -25.8% |
| Vermont | $830 | -$378 | -31.3% |
| Virginia | $726 | -$482 | -39.9% |
| Washington | $934 | -$274 | -22.7% |
| West Virginia | $1,108 | -$100 | -8.3% |
| Wisconsin | $838 | -$370 | -30.6% |
| Wyoming | $1,078 | -$130 | -10.8% |
Opting for high physical damage deductibles can save as much as $400 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Compass Sport 2WD | $1,142 | $95 |
| Jeep Compass Sport 4WD | $1,174 | $98 |
| Jeep Compass Limited 2WD | $1,208 | $101 |
| Jeep Compass Limited 4WD | $1,244 | $104 |
Rates assume 2019 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Compass | $270 | $478 | $398 | $1,304 |
| 2023 Jeep Compass | $260 | $466 | $416 | $1,300 |
| 2022 Jeep Compass | $250 | $446 | $430 | $1,284 |
| 2021 Jeep Compass | $238 | $430 | $442 | $1,268 |
| 2020 Jeep Compass | $228 | $400 | $452 | $1,238 |
| 2019 Jeep Compass | $218 | $376 | $456 | $1,208 |
| 2018 Jeep Compass | $210 | $338 | $460 | $1,166 |
| 2017 Jeep Compass | $196 | $310 | $460 | $1,124 |
| 2016 Jeep Compass | $190 | $292 | $464 | $1,104 |
| 2012 Jeep Compass | $156 | $210 | $474 | $998 |
| 2011 Jeep Compass | $146 | $190 | $474 | $968 |
| 2007 Jeep Compass | $126 | $152 | $446 | $882 |
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 Find the Cheapest Jeep Compass Insurance
Saving money on Jeep Compass insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Comparison shop at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the car insurance concepts raised in the charts and tables above.
- High-risk drivers that have major violations or accidents may pay on average $1,410 more each year for Compass insurance
- Drivers can save as much as $140 per year simply by shopping early and online
- Increasing deductibles can save approximately $400 each year
- Drivers who require higher liability limits will pay around $500 each year to raise limits from a minimum limit to the 250/500 level
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,704 |
| 20 | $2,792 |
| 30 | $1,246 |
| 40 | $1,208 |
| 50 | $1,108 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,472 |
| $250 | $1,350 |
| $500 | $1,208 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,208 |
| 50/100 | $1,335 |
| 100/300 | $1,449 |
| 250/500 | $1,746 |
| 100 CSL | $1,381 |
| 300 CSL | $1,632 |
| 500 CSL | $1,814 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,450 |
| 30 | $2,658 |
| 40 | $2,620 |
| 50 | $2,504 |
| 60 | $2,480 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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