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 27, 2022

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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 prices for a Jeep Compass are $1,300 every 12 months with full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $466, and liability costs $416. A liability-only policy costs as little as $474 a year, and high-risk insurance costs around $2,812. Teen drivers cost the most to insure at up to $4,930 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Comprehensive $260
Collision $466
Liability $416

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Compass models.

Price Range Variability

Using a 40-year-old driver as an example, Jeep Compass insurance rates range from the cheapest price of $474 for a discount liability-only rate to a high rate of $2,812 for a high-risk insurance policy.

Liability Only $474
Full Coverage $1,300
High Risk $2,812

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

The examples above demonstrate why all drivers should compare rates using their specific location and their own driving history, instead of using 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 details average Jeep Compass insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $753
  • Drivers who choose higher $1,000 deductibles will pay $164 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,300
  • Choosing low deductibles for comprehensive and collision insurance increases the price to $1,620
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,812
  • Policy cost to insure a teen driver can cost $4,930 a year

View Chart as Image

Jeep Compass insurance cost comparison chart
Column chart showing Jeep Compass insurance rates range from $753 to $4,930 for full coverage

Car insurance rates for a Jeep Compass also range considerably based on liability limits and deductibles, your driving record, and the model of your Compass.

Choosing high deductibles could save up to $490 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than average. View High Risk Driver Rates

Your home state makes a big difference in Jeep Compass insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,760 on average in New York, Michigan, and Florida.

Jeep Compass Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$126 -9.7%
Alaska $998 -$302 -23.2%
Arizona $1,080 -$220 -16.9%
Arkansas $1,300 -$0 0.0%
California $1,480 $180 13.8%
Colorado $1,242 -$58 -4.5%
Connecticut $1,338 $38 2.9%
Delaware $1,470 $170 13.1%
Florida $1,626 $326 25.1%
Georgia $1,200 -$100 -7.7%
Hawaii $932 -$368 -28.3%
Idaho $880 -$420 -32.3%
Illinois $970 -$330 -25.4%
Indiana $980 -$320 -24.6%
Iowa $878 -$422 -32.5%
Kansas $1,236 -$64 -4.9%
Kentucky $1,774 $474 36.5%
Louisiana $1,924 $624 48.0%
Maine $802 -$498 -38.3%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,040 -$260 -20.0%
Michigan $2,258 $958 73.7%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,558 $258 19.8%
Missouri $1,154 -$146 -11.2%
Montana $1,398 $98 7.5%
Nebraska $1,024 -$276 -21.2%
Nevada $1,558 $258 19.8%
New Hampshire $938 -$362 -27.8%
New Jersey $1,452 $152 11.7%
New Mexico $1,150 -$150 -11.5%
New York $1,370 $70 5.4%
North Carolina $750 -$550 -42.3%
North Dakota $1,064 -$236 -18.2%
Ohio $900 -$400 -30.8%
Oklahoma $1,334 $34 2.6%
Oregon $1,190 -$110 -8.5%
Pennsylvania $1,240 -$60 -4.6%
Rhode Island $1,732 $432 33.2%
South Carolina $1,178 -$122 -9.4%
South Dakota $1,098 -$202 -15.5%
Tennessee $1,140 -$160 -12.3%
Texas $1,568 $268 20.6%
Utah $962 -$338 -26.0%
Vermont $890 -$410 -31.5%
Virginia $780 -$520 -40.0%
Washington $1,006 -$294 -22.6%
West Virginia $1,190 -$110 -8.5%
Wisconsin $900 -$400 -30.8%
Wyoming $1,158 -$142 -10.9%

View Chart as Image

Jeep Compass insurance rates by U.S. city

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 $1,218 $102
Jeep Compass Sport 4WD $1,258 $105
Jeep Compass Limited 2WD $1,300 $108
Jeep Compass Limited 4WD $1,340 $112

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 $260 $466 $416 $1,300
2017 Jeep Compass $228 $400 $452 $1,238
2016 Jeep Compass $218 $376 $456 $1,208
2012 Jeep Compass $184 $272 $474 $1,088
2011 Jeep Compass $172 $252 $474 $1,056
2007 Jeep Compass $142 $170 $468 $938

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 Shop for the Best Cheap Jeep Compass Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the car insurance concepts raised in the charts and tables above.

  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,510 more per year for auto insurance
  • You may be able to save around $150 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Policyholders who purchase higher levels of liability will pay about $460 every year to go from a 30/60 limit to a 250/500 level

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 $4,930
20 $3,002
30 $1,350
40 $1,300
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Jeep Compass Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,620
$250 $1,472
$500 $1,300
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Jeep Compass Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,423
100/300 $1,527
250/500 $1,798
100 CSL $1,465
300 CSL $1,694
500 CSL $1,860

Full coverage, driver age 40

Rates for High Risk Drivers

Jeep Compass Insurance Rates for High Risk Drivers
Age Premium
16 $7,016
20 $4,780
30 $2,870
40 $2,812
50 $2,686
60 $2,662

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $63
Online Quote $91
Total Discounts $547
Rate after discounts $753

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

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