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...
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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.
U.S. average insurance rates for a Jeep Compass are $1,208 a year including full coverage. Comprehensive insurance costs around $218 each year, collision insurance costs $376, and liability coverage costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $2,620 or more. 16-year-old drivers pay the highest rates at up to $4,704 a year.
Average premium for full coverage: $1,208
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Compass models.
Price Range from Low to High
For a driver in their 40's, Jeep Compass insurance prices range from the low end price of $508 for just the minimum liability insurance to a high rate of $2,620 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.
The ranges above highlight why all drivers should compare prices for a specific zip code, rather than using rate 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.
Additional Rate Analysis
The chart below breaks down average Jeep Compass insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $709
- Using higher $1,000 deductibles will save about $134 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,208
- Buying low deductibles for physical damage coverage will cost an additional $264 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,620
- The price that insures a teenage driver can be $4,704 or more
Insurance prices for a Jeep Compass are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
The state you live in has a huge impact on Jeep Compass insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,730 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$114 | -9.4% |
| Alaska | $928 | -$280 | -23.2% |
| Arizona | $1,004 | -$204 | -16.9% |
| Arkansas | $1,208 | -$0 | 0.0% |
| California | $1,380 | $172 | 14.2% |
| Colorado | $1,158 | -$50 | -4.1% |
| Connecticut | $1,242 | $34 | 2.8% |
| Delaware | $1,370 | $162 | 13.4% |
| Florida | $1,514 | $306 | 25.3% |
| Georgia | $1,116 | -$92 | -7.6% |
| Hawaii | $870 | -$338 | -28.0% |
| Idaho | $816 | -$392 | -32.5% |
| Illinois | $902 | -$306 | -25.3% |
| Indiana | $912 | -$296 | -24.5% |
| Iowa | $816 | -$392 | -32.5% |
| Kansas | $1,150 | -$58 | -4.8% |
| Kentucky | $1,650 | $442 | 36.6% |
| Louisiana | $1,790 | $582 | 48.2% |
| Maine | $748 | -$460 | -38.1% |
| Maryland | $996 | -$212 | -17.5% |
| Massachusetts | $966 | -$242 | -20.0% |
| Michigan | $2,102 | $894 | 74.0% |
| Minnesota | $1,014 | -$194 | -16.1% |
| Mississippi | $1,448 | $240 | 19.9% |
| Missouri | $1,072 | -$136 | -11.3% |
| Montana | $1,300 | $92 | 7.6% |
| Nebraska | $952 | -$256 | -21.2% |
| Nevada | $1,450 | $242 | 20.0% |
| New Hampshire | $872 | -$336 | -27.8% |
| New Jersey | $1,350 | $142 | 11.8% |
| New Mexico | $1,072 | -$136 | -11.3% |
| New York | $1,274 | $66 | 5.5% |
| North Carolina | $696 | -$512 | -42.4% |
| North Dakota | $990 | -$218 | -18.0% |
| Ohio | $836 | -$372 | -30.8% |
| Oklahoma | $1,242 | $34 | 2.8% |
| Oregon | $1,106 | -$102 | -8.4% |
| Pennsylvania | $1,152 | -$56 | -4.6% |
| Rhode Island | $1,614 | $406 | 33.6% |
| South Carolina | $1,094 | -$114 | -9.4% |
| South Dakota | $1,020 | -$188 | -15.6% |
| Tennessee | $1,060 | -$148 | -12.3% |
| Texas | $1,458 | $250 | 20.7% |
| Utah | $896 | -$312 | -25.8% |
| Vermont | $830 | -$378 | -31.3% |
| Virginia | $726 | -$482 | -39.9% |
| Washington | $934 | -$274 | -22.7% |
| West Virginia | $1,108 | -$100 | -8.3% |
| Wisconsin | $838 | -$370 | -30.6% |
| Wyoming | $1,078 | -$130 | -10.8% |
Opting for high physical damage deductibles could cut prices by as much as $400 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jeep Compass Sport 2WD | $1,142 | $95 |
| Jeep Compass Sport 4WD | $1,174 | $98 |
| Jeep Compass Limited 2WD | $1,208 | $101 |
| Jeep Compass Limited 4WD | $1,244 | $104 |
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 | $270 | $478 | $398 | $1,304 |
| 2023 Jeep Compass | $260 | $466 | $416 | $1,300 |
| 2022 Jeep Compass | $250 | $446 | $430 | $1,284 |
| 2021 Jeep Compass | $238 | $430 | $442 | $1,268 |
| 2020 Jeep Compass | $228 | $400 | $452 | $1,238 |
| 2019 Jeep Compass | $218 | $376 | $456 | $1,208 |
| 2018 Jeep Compass | $210 | $338 | $460 | $1,166 |
| 2017 Jeep Compass | $196 | $310 | $460 | $1,124 |
| 2016 Jeep Compass | $190 | $292 | $464 | $1,104 |
| 2012 Jeep Compass | $156 | $210 | $474 | $998 |
| 2011 Jeep Compass | $146 | $190 | $474 | $968 |
| 2007 Jeep Compass | $126 | $152 | $446 | $882 |
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 More Affordable Jeep Compass Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Comparison shop at every other renewal by quoting rates from direct car insurance companies, and also from local insurance agencies.
The points below are a summary of the concepts that were covered in the charts and tables above.
- Drivers who have multiple accidents or major violations may have to pay on average $1,410 more every year to insure a Jeep Compass
- Drivers under the age of 20 pay higher prices, possibly costing $392 a month if full coverage is included
- You may be able to save up to $140 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $400 each year
- You may be able to save up to $140 per year just by quoting online in advance
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 | $4,704 |
| 20 | $2,792 |
| 30 | $1,246 |
| 40 | $1,208 |
| 50 | $1,108 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,472 |
| $250 | $1,350 |
| $500 | $1,208 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,208 |
| 50/100 | $1,335 |
| 100/300 | $1,449 |
| 250/500 | $1,746 |
| 100 CSL | $1,381 |
| 300 CSL | $1,632 |
| 500 CSL | $1,814 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,450 |
| 30 | $2,658 |
| 40 | $2,620 |
| 50 | $2,504 |
| 60 | $2,480 |
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 | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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