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.

U.S. average insurance rates for a Jeep Compass are $1,300 a year including full coverage. Comprehensive costs on average $260, collision costs $466, and liability insurance is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $2,812. Teen drivers pay the highest rates at $4,930 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Comprehensive $260
Collision $466
Liability $416

Estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Compass trim levels.

Price Range from Low to High

For a driver around age 40, Jeep Compass insurance prices go from as low as $474 for your basic liability-only policy to a much higher rate of $2,812 for high-risk insurance.

Liability Only $474
Full Coverage $1,300
High Risk $2,812

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on 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.

More Rate Information

The chart below breaks down estimated Jeep Compass insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $753
  • Raising to $1,000 deductibles will save around $164 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,300
  • Choosing more expensive low deductibles will increase the cost to $1,620
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,812 or more
  • The price for full coverage for a teen driver with full coverage may cost $4,930

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing full coverage Jeep Compass insurance rates range from $753 to $4,930

Auto insurance prices for a Jeep Compass are also quite variable based on your driving record, the model of your Compass, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Jeep Compass insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,860 on average in Michigan, New York, and Louisiana.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$126 -9.7%
Alaska $998 -$302 -23.2%
Arizona $1,080 -$220 -16.9%
Arkansas $1,300 -$0 0.0%
California $1,480 $180 13.8%
Colorado $1,242 -$58 -4.5%
Connecticut $1,338 $38 2.9%
Delaware $1,470 $170 13.1%
Florida $1,626 $326 25.1%
Georgia $1,200 -$100 -7.7%
Hawaii $932 -$368 -28.3%
Idaho $880 -$420 -32.3%
Illinois $970 -$330 -25.4%
Indiana $980 -$320 -24.6%
Iowa $878 -$422 -32.5%
Kansas $1,236 -$64 -4.9%
Kentucky $1,774 $474 36.5%
Louisiana $1,924 $624 48.0%
Maine $802 -$498 -38.3%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,040 -$260 -20.0%
Michigan $2,258 $958 73.7%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,558 $258 19.8%
Missouri $1,154 -$146 -11.2%
Montana $1,398 $98 7.5%
Nebraska $1,024 -$276 -21.2%
Nevada $1,558 $258 19.8%
New Hampshire $938 -$362 -27.8%
New Jersey $1,452 $152 11.7%
New Mexico $1,150 -$150 -11.5%
New York $1,370 $70 5.4%
North Carolina $750 -$550 -42.3%
North Dakota $1,064 -$236 -18.2%
Ohio $900 -$400 -30.8%
Oklahoma $1,334 $34 2.6%
Oregon $1,190 -$110 -8.5%
Pennsylvania $1,240 -$60 -4.6%
Rhode Island $1,732 $432 33.2%
South Carolina $1,178 -$122 -9.4%
South Dakota $1,098 -$202 -15.5%
Tennessee $1,140 -$160 -12.3%
Texas $1,568 $268 20.6%
Utah $962 -$338 -26.0%
Vermont $890 -$410 -31.5%
Virginia $780 -$520 -40.0%
Washington $1,006 -$294 -22.6%
West Virginia $1,190 -$110 -8.5%
Wisconsin $900 -$400 -30.8%
Wyoming $1,158 -$142 -10.9%

View Chart as Image

Jeep Compass insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $490 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 $1,218 $102
Jeep Compass Sport 4WD $1,258 $105
Jeep Compass Limited 2WD $1,300 $108
Jeep Compass Limited 4WD $1,340 $112

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 $260 $466 $416 $1,300
2017 Jeep Compass $228 $400 $452 $1,238
2016 Jeep Compass $218 $376 $456 $1,208
2012 Jeep Compass $184 $272 $474 $1,088
2011 Jeep Compass $172 $252 $474 $1,056
2007 Jeep Compass $142 $170 $468 $938

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 Low Cost Jeep Compass Insurance

Getting lower rates on Jeep Compass insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the material that was covered above.

  • Drivers who require higher liability limits will pay about $460 per year to raise from a low limit to 250/500 limits
  • Teens are charged the highest prices, possibly costing $411 a month if they have full coverage
  • High-risk drivers who have several accidents or serious violations may pay on average $1,510 more each year for Compass insurance
  • Increasing physical damage deductibles can save around $475 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.

Rates by Driver Age

Jeep Compass Insurance Rates by Driver Age
Driver Age Premium
16 $4,930
20 $3,002
30 $1,350
40 $1,300
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,620
$250 $1,472
$500 $1,300
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,423
100/300 $1,527
250/500 $1,798
100 CSL $1,465
300 CSL $1,694
500 CSL $1,860

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $7,016
20 $4,780
30 $2,870
40 $2,812
50 $2,686
60 $2,662

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $63
Online Quote $91
Total Discounts $547
Rate after discounts $753

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

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