Jeep Compass Insurance Rates

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.

The average auto insurance rates for a Jeep Compass are $1,238 annually for full coverage. Comprehensive insurance costs approximately $228, collision costs $400, and liability is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing $2,680 or more. Teens cost the most to insure at $4,788 a year or more.

Average premium for full coverage: $1,238

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Compass trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

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

• The cheapest rate after discounts is $724
• Raising to $1,000 deductibles will save $142 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,238
• Selecting more expensive low deductibles costs an additional $276 every year
• At-risk drivers with serious driving violations could pay around $2,680 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $4,788

View Chart as Image

Auto insurance rates for a Jeep Compass also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $420 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Jeep Compass insurance prices. A middle-age driver might find rates as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,770 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Cheap Jeep Compass Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the car insurance concepts touched on above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,440 more per year than a driver with a clean driving record
• Drivers can save around $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Policyholders who purchase additional liability coverage will pay approximately $500 each year to raise from a 30/60 limit to higher 250/500 limits

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.

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.

• Chevrolet Equinox
• Honda CR-V
• Nissan Rogue

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.