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 $1,284 a year with full coverage. Comprehensive costs approximately $250, collision costs $446, and liability insurance costs $430. A policy with just liability insurance costs as little as $486 a year, with coverage for high-risk drivers costing around $2,782. Teens pay the highest rates at $4,904 a year or more.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Comprehensive $250
Collision $446
Liability $430

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 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 the low end price of $486 for the bare minimum liability coverage to a much higher rate of $2,782 for a high-risk driver policy.

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

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

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

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than relying on averaged prices.

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 Information

The chart below details estimated Jeep Compass insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $746
  • Drivers who choose higher $1,000 deductibles will pay $158 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,284
  • Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,592
  • High risk drivers with serious driving violations could pay around $2,782 or more
  • The price that insures a teen driver with full coverage can cost $4,904 a year

View Chart as Image

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

Insurance prices for a Jeep Compass are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in makes a big difference in Jeep Compass insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Every company calculates prices differently, so the prices may be quite different.

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 Find the Cheapest Jeep Compass Insurance

Getting lower rates on Jeep Compass insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The items below are a recap of the information covered above.

  • You may be able to save around $150 per year simply by shopping early and online
  • Teen drivers are expensive to insure, costing up to $409 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $475 each year
  • High-risk drivers that have major violations or accidents may have to pay on average $1,500 more per year to insure their Compass
  • Drivers who purchase more liability coverage will pay approximately $470 every year to go from a low 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.

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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