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...
Licensed Insurance Agent
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.
Estimated auto insurance rates for a Jeep Compass are $1,238 annually including full coverage. Comprehensive insurance costs around $228, collision insurance costs $400, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $2,680 or more. Teenage drivers pay the most at up to $4,788 a year.
Average premium for full coverage: $1,238
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Compass models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jeep Compass range from as cheap as $504 for just liability coverage to the much higher price of $2,680 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.
These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below breaks down average Jeep Compass insurance rates for additional coverage choices and driver risks.
- The best discount rate is $724
- Raising to $1,000 deductibles will save about $142 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,238
- Using pricier low deductibles costs an additional $276 annually
- Drivers who are prone to accidents and violations could pay at least $2,680
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $4,788
Insurance prices for a Jeep Compass also have a wide range based on the model of your Compass, your driving characteristics, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Jeep Compass insurance for high-risk drivers is expensive and can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $420 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Jeep Compass insurance prices. A middle-age driver might find prices as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,770 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$118 | -9.5% |
| Alaska | $948 | -$290 | -23.4% |
| Arizona | $1,028 | -$210 | -17.0% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,410 | $172 | 13.9% |
| Colorado | $1,182 | -$56 | -4.5% |
| Connecticut | $1,272 | $34 | 2.7% |
| Delaware | $1,400 | $162 | 13.1% |
| Florida | $1,550 | $312 | 25.2% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $888 | -$350 | -28.3% |
| Idaho | $836 | -$402 | -32.5% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $834 | -$404 | -32.6% |
| Kansas | $1,176 | -$62 | -5.0% |
| Kentucky | $1,690 | $452 | 36.5% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $762 | -$476 | -38.4% |
| Maryland | $1,020 | -$218 | -17.6% |
| Massachusetts | $990 | -$248 | -20.0% |
| Michigan | $2,150 | $912 | 73.7% |
| Minnesota | $1,034 | -$204 | -16.5% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,096 | -$142 | -11.5% |
| Montana | $1,330 | $92 | 7.4% |
| Nebraska | $976 | -$262 | -21.2% |
| Nevada | $1,486 | $248 | 20.0% |
| New Hampshire | $892 | -$346 | -27.9% |
| New Jersey | $1,382 | $144 | 11.6% |
| New Mexico | $1,096 | -$142 | -11.5% |
| New York | $1,302 | $64 | 5.2% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $856 | -$382 | -30.9% |
| Oklahoma | $1,270 | $32 | 2.6% |
| Oregon | $1,132 | -$106 | -8.6% |
| Pennsylvania | $1,182 | -$56 | -4.5% |
| Rhode Island | $1,650 | $412 | 33.3% |
| South Carolina | $1,120 | -$118 | -9.5% |
| South Dakota | $1,044 | -$194 | -15.7% |
| Tennessee | $1,084 | -$154 | -12.4% |
| Texas | $1,492 | $254 | 20.5% |
| Utah | $916 | -$322 | -26.0% |
| Vermont | $848 | -$390 | -31.5% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $956 | -$282 | -22.8% |
| West Virginia | $1,134 | -$104 | -8.4% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,104 | -$134 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Compass Sport 2WD | $1,166 | $97 |
| Jeep Compass Sport 4WD | $1,202 | $100 |
| Jeep Compass Limited 2WD | $1,238 | $103 |
| Jeep Compass Limited 4WD | $1,272 | $106 |
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 | $280 | $482 | $390 | $1,310 |
| 2023 Jeep Compass | $270 | $478 | $398 | $1,304 |
| 2022 Jeep Compass | $260 | $466 | $416 | $1,300 |
| 2021 Jeep Compass | $250 | $446 | $430 | $1,284 |
| 2020 Jeep Compass | $238 | $430 | $442 | $1,268 |
| 2019 Jeep Compass | $228 | $400 | $452 | $1,238 |
| 2018 Jeep Compass | $218 | $376 | $456 | $1,208 |
| 2017 Jeep Compass | $210 | $338 | $460 | $1,166 |
| 2016 Jeep Compass | $196 | $310 | $460 | $1,124 |
| 2012 Jeep Compass | $166 | $228 | $478 | $1,030 |
| 2011 Jeep Compass | $156 | $210 | $474 | $998 |
| 2007 Jeep Compass | $136 | $160 | $452 | $906 |
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 Cheaper Jeep Compass Insurance
Finding better rates on insurance for a Jeep Compass consists of having a decent driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following items are a condensed summary of the material that was touched on in the above illustrations.
- Insureds who may need additional liability coverage will pay an extra $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $399 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,440 more every year than a driver with a clean driving record
- Increasing policy deductibles could save up to $425 each year
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 | $4,788 |
| 20 | $2,860 |
| 30 | $1,276 |
| 40 | $1,238 |
| 50 | $1,134 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,386 |
| $500 | $1,238 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,362 |
| 100/300 | $1,475 |
| 250/500 | $1,769 |
| 100 CSL | $1,408 |
| 300 CSL | $1,656 |
| 500 CSL | $1,837 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,556 |
| 30 | $2,724 |
| 40 | $2,680 |
| 50 | $2,562 |
| 60 | $2,540 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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