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: Jun 6, 2023

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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.

The average insurance rates for a Jeep Compass are $1,284 a year for full coverage. Comprehensive insurance costs an estimated $250 a year, collision costs $446, and liability insurance is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $2,782 or more. Teen drivers cost the most to insure at $4,904 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Comprehensive $250
Collision $446
Liability $430

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Compass trim levels.

Price Range Variability

For a 40-year-old driver, Jeep Compass insurance rates go from as low as $486 for a discount liability-only rate to a high of $2,782 for high-risk insurance.

Liability Only $486
Full Coverage $1,284
High Risk $2,782

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

The examples above show why it is important to get quotes for a targeted area and risk profile, 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $746
  • Choosing higher $1,000 deductibles can save approximately $1,126 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,284
  • Choosing low $100 deductibles for comp and collision coverage will cost an extra $308 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,782 or more
  • Policy cost for full coverage for a teen driver can cost as much as $4,904 each year

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing full coverage Jeep Compass insurance prices range from $746 to $4,904

Insurance rates for a Jeep Compass also range considerably based on your risk profile, the trim level of your Compass, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Jeep Compass insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$122 -9.5%
Alaska $986 -$298 -23.2%
Arizona $1,066 -$218 -17.0%
Arkansas $1,284 -$0 0.0%
California $1,464 $180 14.0%
Colorado $1,228 -$56 -4.4%
Connecticut $1,322 $38 3.0%
Delaware $1,454 $170 13.2%
Florida $1,608 $324 25.2%
Georgia $1,186 -$98 -7.6%
Hawaii $922 -$362 -28.2%
Idaho $868 -$416 -32.4%
Illinois $956 -$328 -25.5%
Indiana $968 -$316 -24.6%
Iowa $868 -$416 -32.4%
Kansas $1,222 -$62 -4.8%
Kentucky $1,752 $468 36.4%
Louisiana $1,902 $618 48.1%
Maine $792 -$492 -38.3%
Maryland $1,060 -$224 -17.4%
Massachusetts $1,028 -$256 -19.9%
Michigan $2,232 $948 73.8%
Minnesota $1,076 -$208 -16.2%
Mississippi $1,538 $254 19.8%
Missouri $1,140 -$144 -11.2%
Montana $1,382 $98 7.6%
Nebraska $1,014 -$270 -21.0%
Nevada $1,540 $256 19.9%
New Hampshire $926 -$358 -27.9%
New Jersey $1,436 $152 11.8%
New Mexico $1,138 -$146 -11.4%
New York $1,354 $70 5.5%
North Carolina $740 -$544 -42.4%
North Dakota $1,054 -$230 -17.9%
Ohio $888 -$396 -30.8%
Oklahoma $1,320 $36 2.8%
Oregon $1,176 -$108 -8.4%
Pennsylvania $1,228 -$56 -4.4%
Rhode Island $1,714 $430 33.5%
South Carolina $1,164 -$120 -9.3%
South Dakota $1,084 -$200 -15.6%
Tennessee $1,126 -$158 -12.3%
Texas $1,550 $266 20.7%
Utah $952 -$332 -25.9%
Vermont $880 -$404 -31.5%
Virginia $770 -$514 -40.0%
Washington $994 -$290 -22.6%
West Virginia $1,178 -$106 -8.3%
Wisconsin $890 -$394 -30.7%
Wyoming $1,146 -$138 -10.7%

View Chart as Image

Jeep Compass insurance rates by U.S. city

Choosing high deductibles can save as much as $470 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied 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 $1,206 $101
Jeep Compass Sport 4WD $1,246 $104
Jeep Compass Limited 2WD $1,284 $107
Jeep Compass Limited 4WD $1,324 $110

Rates assume 2020 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
2020 Jeep Compass $250 $446 $430 $1,284
2017 Jeep Compass $218 $376 $456 $1,208
2016 Jeep Compass $210 $338 $460 $1,166
2012 Jeep Compass $172 $252 $474 $1,056
2011 Jeep Compass $166 $228 $478 $1,030
2007 Jeep Compass $140 $166 $460 $924

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

Finding cheaper rates on Jeep Compass insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the material that was illustrated above.

  • Drivers who want higher liability limits will pay about $470 each year to raise limits from a 30/60 limit to 250/500 limits
  • Teenagers are expensive to insure, costing up to $409 each month including comprehensive and collision insurance
  • High-risk drivers who have multiple accidents or major violations pay an average of $1,500 more annually for car insurance
  • Increasing comprehensive and collision deductibles can save around $475 each year

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 $4,904
20 $2,968
30 $1,332
40 $1,284
50 $1,176
60 $1,152

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,450
$500 $1,284
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,410
100/300 $1,518
250/500 $1,797
100 CSL $1,453
300 CSL $1,690
500 CSL $1,862

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $6,974
20 $4,726
30 $2,834
40 $2,782
50 $2,656
60 $2,632

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $90
Total Discounts $538
Rate after discounts $746

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

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