Jeep Compass Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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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 $1,304 a year for full coverage. Comprehensive costs on average $270 a year, collision costs $478, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,816. Teen drivers receive the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,304

Rate estimates by individual coverage type:

Comprehensive $270
Collision $478
Liability $398

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Compass trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $460 for only liability insurance to a high of $2,816 for a high risk driver.

Liability Only $460
Full Coverage $1,304
High Risk $2,816

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $978
Small Cities $1,369
Large Cities $1,760

These examples show why it is important to compare rates 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $756
  • Drivers who choose higher $1,000 deductibles will pay around $1,132 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,304
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,630
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,816 or more
  • The cost for full coverage for a teen driver may cost $4,906 a year

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing full coverage Jeep Compass insurance rates range from $756 to $4,906

for a Jeep Compass can also vary considerably based on your driver profile, the trim level of your Compass, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,900 a year. View Rates by Age

Where you live makes a big difference in Jeep Compass insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, and New York.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,180 -$124 -9.5%
Alaska $1,000 -$304 -23.3%
Arizona $1,082 -$222 -17.0%
Arkansas $1,304 -$0 0.0%
California $1,484 $180 13.8%
Colorado $1,244 -$60 -4.6%
Connecticut $1,340 $36 2.8%
Delaware $1,474 $170 13.0%
Florida $1,630 $326 25.0%
Georgia $1,202 -$102 -7.8%
Hawaii $936 -$368 -28.2%
Idaho $882 -$422 -32.4%
Illinois $972 -$332 -25.5%
Indiana $980 -$324 -24.8%
Iowa $880 -$424 -32.5%
Kansas $1,240 -$64 -4.9%
Kentucky $1,780 $476 36.5%
Louisiana $1,928 $624 47.9%
Maine $804 -$500 -38.3%
Maryland $1,074 -$230 -17.6%
Massachusetts $1,044 -$260 -19.9%
Michigan $2,264 $960 73.6%
Minnesota $1,092 -$212 -16.3%
Mississippi $1,562 $258 19.8%
Missouri $1,156 -$148 -11.3%
Montana $1,400 $96 7.4%
Nebraska $1,028 -$276 -21.2%
Nevada $1,562 $258 19.8%
New Hampshire $940 -$364 -27.9%
New Jersey $1,458 $154 11.8%
New Mexico $1,154 -$150 -11.5%
New York $1,374 $70 5.4%
North Carolina $750 -$554 -42.5%
North Dakota $1,066 -$238 -18.3%
Ohio $902 -$402 -30.8%
Oklahoma $1,340 $36 2.8%
Oregon $1,194 -$110 -8.4%
Pennsylvania $1,244 -$60 -4.6%
Rhode Island $1,738 $434 33.3%
South Carolina $1,182 -$122 -9.4%
South Dakota $1,100 -$204 -15.6%
Tennessee $1,142 -$162 -12.4%
Texas $1,570 $266 20.4%
Utah $966 -$338 -25.9%
Vermont $892 -$412 -31.6%
Virginia $780 -$524 -40.2%
Washington $1,008 -$296 -22.7%
West Virginia $1,194 -$110 -8.4%
Wisconsin $902 -$402 -30.8%
Wyoming $1,160 -$144 -11.0%

View Chart as Image

Jeep Compass insurance rates by U.S. city

Choosing high deductibles could save up to $500 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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 $1,260 $105
Jeep Compass Limited 2WD $1,304 $109
Jeep Compass Limited 4WD $1,344 $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 $270 $478 $398 $1,304
2017 Jeep Compass $238 $430 $442 $1,268
2016 Jeep Compass $228 $400 $452 $1,238
2012 Jeep Compass $190 $292 $464 $1,104
2011 Jeep Compass $184 $272 $474 $1,088
2007 Jeep Compass $146 $190 $474 $968

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 Cheaper Jeep Compass Insurance

Saving money on Jeep Compass insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $440 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $409 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,510 more each year for 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 $4,906
20 $3,006
30 $1,356
40 $1,304
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,480
$500 $1,304
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,304
50/100 $1,424
100/300 $1,523
250/500 $1,782
100 CSL $1,463
300 CSL $1,682
500 CSL $1,842

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $6,984
20 $4,782
30 $2,874
40 $2,816
50 $2,688
60 $2,664

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $64
Online Quote $92
Total Discounts $548
Rate after discounts $756

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

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