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.
Estimated insurance rates for a Jeep Compass are $1,208 a year for full coverage insurance. Comprehensive costs around $218, collision costs $376, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,620. 16-year-old drivers pay the most at $4,704 a year or more.
Average premium for full coverage: $1,208
Premium estimates for type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Compass models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jeep Compass go from the low end price of $508 for just the minimum liability insurance to the much higher price of $2,620 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.
The example below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why everyone should compare rates quotes for a specific zip code, rather than relying on 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 illustrates estimated Jeep Compass insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $709
- Raising to $1,000 deductibles will save about $134 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,208
- Buying pricier low deductibles bumps up the cost to $1,472
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,620 or more
- An auto insurance policy that insures a teen driver for full coverage can be $4,704
Insurance prices for a Jeep Compass also have a wide range based on the model of your Compass, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. Jeep Compass insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
Where you choose to live also has a big influence on Jeep Compass insurance rates. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, and Florida.
| 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 can reduce prices by up to $400 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.
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 the Best Cheap Jeep Compass Insurance
Finding better rates on Jeep Compass insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a quick review of the data covered in the charts and tables above.
- Drivers who may need higher liability limits will pay around $500 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $400 each year
- Teenagers pay higher prices, with premiums being up to $392 per month if full coverage is included
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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