Jeep Compass Insurance Rates

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Jeffrey Johnson

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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 $1,238 a year for full coverage. Comprehensive insurance costs an estimated $228, collision costs $400, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing $2,680 or more. 16-year-old drivers pay the most at $4,788 a year or more.

Average premium for full coverage: $1,238

Premium estimates broken down by type of coverage:

Comprehensive $228
Collision $400
Liability $452

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Compass models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Jeep Compass go from as low as $504 for minimum levels of liability insurance to the much higher price of $2,680 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,238
High Risk $2,680

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates how geographic area affects insurance prices.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

These rate differences show why everyone should compare rates for a targeted area and risk profile, instead of making a decision based 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 Details

The chart below shows estimated Jeep Compass insurance rates for other coverage scenarios.

  • The best full coverage rate is $724
  • Drivers who choose higher $1,000 deductibles will pay approximately $142 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,238
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $276 annually
  • Drivers with multiple tickets or accidents could pay up to $2,680 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $4,788 a year

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing full coverage Jeep Compass insurance prices range from $724 to $4,788

Car insurance prices for a Jeep Compass also have a wide range based on your driving characteristics, the trim level of your Compass, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Jeep Compass insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,770 on average in New York, Louisiana, and Michigan.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$118 -9.5%
Alaska $948 -$290 -23.4%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,410 $172 13.9%
Colorado $1,182 -$56 -4.5%
Connecticut $1,272 $34 2.7%
Delaware $1,400 $162 13.1%
Florida $1,550 $312 25.2%
Georgia $1,142 -$96 -7.8%
Hawaii $888 -$350 -28.3%
Idaho $836 -$402 -32.5%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $834 -$404 -32.6%
Kansas $1,176 -$62 -5.0%
Kentucky $1,690 $452 36.5%
Louisiana $1,832 $594 48.0%
Maine $762 -$476 -38.4%
Maryland $1,020 -$218 -17.6%
Massachusetts $990 -$248 -20.0%
Michigan $2,150 $912 73.7%
Minnesota $1,034 -$204 -16.5%
Mississippi $1,482 $244 19.7%
Missouri $1,096 -$142 -11.5%
Montana $1,330 $92 7.4%
Nebraska $976 -$262 -21.2%
Nevada $1,486 $248 20.0%
New Hampshire $892 -$346 -27.9%
New Jersey $1,382 $144 11.6%
New Mexico $1,096 -$142 -11.5%
New York $1,302 $64 5.2%
North Carolina $714 -$524 -42.3%
North Dakota $1,014 -$224 -18.1%
Ohio $856 -$382 -30.9%
Oklahoma $1,270 $32 2.6%
Oregon $1,132 -$106 -8.6%
Pennsylvania $1,182 -$56 -4.5%
Rhode Island $1,650 $412 33.3%
South Carolina $1,120 -$118 -9.5%
South Dakota $1,044 -$194 -15.7%
Tennessee $1,084 -$154 -12.4%
Texas $1,492 $254 20.5%
Utah $916 -$322 -26.0%
Vermont $848 -$390 -31.5%
Virginia $740 -$498 -40.2%
Washington $956 -$282 -22.8%
West Virginia $1,134 -$104 -8.4%
Wisconsin $856 -$382 -30.9%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

Jeep Compass insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $420 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. Jeep Compass insurance for high-risk drivers can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, so rate quotes will be substantially 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 $1,166 $97
Jeep Compass Sport 4WD $1,202 $100
Jeep Compass Limited 2WD $1,238 $103
Jeep Compass Limited 4WD $1,272 $106

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.

Jeep Compass Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jeep Compass $280 $482 $390 $1,310
2023 Jeep Compass $270 $478 $398 $1,304
2022 Jeep Compass $260 $466 $416 $1,300
2021 Jeep Compass $250 $446 $430 $1,284
2020 Jeep Compass $238 $430 $442 $1,268
2019 Jeep Compass $228 $400 $452 $1,238
2018 Jeep Compass $218 $376 $456 $1,208
2017 Jeep Compass $210 $338 $460 $1,166
2016 Jeep Compass $196 $310 $460 $1,124
2012 Jeep Compass $166 $228 $478 $1,030
2011 Jeep Compass $156 $210 $474 $998
2007 Jeep Compass $136 $160 $452 $906

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 insurance for a Jeep Compass not only requires being a good driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the primary concepts that were presented in the illustrations above.

  • Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,440 more annually than a safer driver
  • Increasing policy deductibles can save around $425 each year
  • Drivers age 16 to 20 have the highest car insurance prices, as much as $399 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.

Rates by Driver Age

Jeep Compass Insurance Rates by Driver Age
Driver Age Premium
16 $4,788
20 $2,860
30 $1,276
40 $1,238
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,386
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,362
100/300 $1,475
250/500 $1,769
100 CSL $1,408
300 CSL $1,656
500 CSL $1,837

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $6,802
20 $4,556
30 $2,724
40 $2,680
50 $2,562
60 $2,540

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $514
Rate after discounts $724

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

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