Jeep Compass Insurance Rates
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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.
U.S. average insurance rates for a Jeep Compass are $1,238 a year including full coverage. Comprehensive insurance costs around $228, collision costs $400, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers 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 for individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Compass models.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Compass insurance prices go from the low end price of $504 for just the minimum liability insurance to the much higher price of $2,680 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code, instead of making a decision based 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 breaks down estimated Jeep Compass insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $724
- Choosing higher $1,000 deductibles can save about $142 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,238
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $276 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,680 or more
- The price that insures a 16-year-old driver for full coverage can be $4,788 each year
Insurance prices for a Jeep Compass are also quite variable based on the model of your Compass, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. Jeep Compass insurance for high-risk drivers ranges from 44% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Jeep Compass insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,770 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $420 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Jeep Compass Insurance
Getting lower rates on insurance for a Jeep Compass takes having a decent driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Shop around at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a brief recap of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,440 more every year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $425 each year
- 16 to 18-year-old drivers pay higher prices, possibly costing $399 a 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 | $4,788 |
| 20 | $2,860 |
| 30 | $1,276 |
| 40 | $1,238 |
| 50 | $1,134 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,386 |
| $500 | $1,238 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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