Jeep Compass Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 $1,238 a year for full coverage insurance. Comprehensive insurance costs an estimated $228, collision costs $400, and liability insurance is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,680 or more. Teen drivers pay the highest rates at $4,788 a year or more.

Average premium for full coverage: $1,238

Price estimates broken down by individual coverage:

Comprehensive $228
Collision $400
Liability $452

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Compass trim levels.

Price Range from Low to High

For a driver in their 40's, Jeep Compass insurance prices go from the low end price of $504 for just the minimum liability insurance to a much higher rate of $2,680 for a driver who requires high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $724
  • Raising to $1,000 deductibles will save approximately $142 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,238
  • Choosing more expensive low deductibles will cost an additional $276 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,680 or more
  • The price that insures a teen driver with full coverage can cost as much as $4,788

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

Auto insurance prices for a Jeep Compass are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

The state you live in also has a big influence on Jeep Compass insurance rates. A middle-age driver might find prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,670 on average in Florida, New York, 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

Choosing high deductibles can reduce prices by up to $420 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.

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 Cheapest Jeep Compass Insurance

Getting lower rates on Jeep Compass insurance consists of avoiding accidents and violations, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a recap of the concepts that were covered in the charts and tables above.

  • High-risk drivers that have major violations or accidents may have to pay on average $1,440 more annually for car insurance
  • Teenagers are the costliest to insure, as much as $399 a month if the policy includes full coverage
  • It is possible to save approximately $150 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $425 each year
  • It is possible to save approximately $150 per year simply by shopping early and online

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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