Jeep Compass Car Insurance: How Much Should You Expect to Pay?

Jeep Compass drivers pay about $162 a month for their auto insurance, on average. Know how much insurance companies might charge to insure your Jeep Compass with our complete guide.

Quick Facts

  • A Jeep Compass costs more than most other SUVs to insure.
  • Full coverage car insurance for a Compass comes in at around $159 monthly, on average, while liability only insurance usually tends to be about $89 per month.
  • The most affordable auto insurance company for a Compass is Coverhound.

Compass Overview

With a base price of just $24,995 for 2022 models, the Jeep Compass is a great budget-friendly option for any driver. Drive off the dealership lot in style, with five different trim options offered.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that average Jeep Compass car insurance prices run around $162 a month. But where does that fall compared to the rest of the market?

Current Base Price$24,995
Body Style(s)SUV
Trim LevelsLATITUDE, LIMITED, LATITUDE LUX, SPORT, TRAILHAWK
Average Insurance Premium$162/mo.
Cheapest Insurance CompanyCoverhound

How Much is Car Insurance for a Jeep Compass?

Vehicle Liability Only Full Coverage
Jeep Compass$89$159
All Jeep Models$83$153
All SUVs$80$151
Average Insurance Premium$81$169

If you look at the table above, you'll see that when you compare the Jeep Compass to other vehicles, insurance rates are right about average. On average, Compass owners can expect to pay around $89 monthly for liability insurance, and about $159 per month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the Compass is in line with the other vehicle types offered by Jeep. However, compared to other vehicles of a similar body style, Compass coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other SUVs.

When compared to all vehicles of any body type, the Compass has higher rates than average for both liability only and full coverage auto insurance.

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Who has the Cheapest Car Insurance for a Jeep Compass?

Insurance Company Average Monthly Premium
Ohio Mutual$30
Aspire$39
Mile Auto$42
MotionAuto$45
Clearcover$48

If you're looking for a car insurance policy for a Jeep Compass, you're probably most interested in which carrier offers the lowest premiums. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from Ohio Mutual. The runner up for lowest rates is Aspire, with insurance policies starting as low as just $39 a month.

Mile Auto, MotionAuto, and Clearcover round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers use multiple things and complex formulas to calculate premiums. By analyzing quotes from numerous car insurance companies at once, you can be confident you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Jeep Compass?

As we mentioned above, there are many variables that auto insurance carriers take a look at to determine how much they charge you for car insurance -- and each carrier weighs different pieces more heavily than others, so there's not one company that's the lowest for every Compass driver.

The sections below show a variety of factors insurance companies use to decide rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$105
2-3 Years$85
4-5 Years$84
6-7 Years$86
8-10 Years$83
11-14 Years$96
15 Years or Older$58

The Jeep Compass has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.

As you can see in the information above, the Jeep Compass is in line with this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Compasses that are 15 years old or more.

Your Age

Age Average Monthly Premium

Age is another factor that makes a difference in how much auto insurance carriers will charge. As you can see above, drivers under 18 have higher prices than drivers with more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group for Compass drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$91
Female$87

Women generally to pay less for insurance than men. This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim. When it comes to Compass drivers specifically, women pay around $87 monthly for auto insurance and men pay about $91.

Where You Live

State Average Monthly Premium
California$56
Florida$113
Georgia$126
Illinois$62
New York$171
North Carolina$57
Ohio$57
Pennsylvania$62
Texas$67
Virginia$70

You were probably already aware that things like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can matter just as much? Car insurance is regulated on the state level rather than nationally, so rates can shift quite a bit from state to state.

For example, the average Jeep Compass owner in New York pays around $171 per month for liability coverage, while on average, the same driver from California will pay less than half of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Jeep Compass Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance is always in your best interest when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments

There are all sorts of other discounts out there for saving money on your car insurance. Often, it's actually your driving history and insurance profile that get you the cheapest rates.

While you may not be able to control every variable auto insurance companies use to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$101
Multiple Accidents$136
1 Ticket$88
Multiple Tickets$142

You've almost certainly noticed ads from insurance carriers posting big discounts for good drivers. And you're probably not surprised to hear that if you get a speeding ticket or get into a collision, car insurance prices will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Looking at the table above, you'll notice that accidents will usually cost Compass drivers more than tickets, but both will result in above average rates. Jeep Compass drivers with a single ticket will pay an average of $88 a month, while drivers with one accident on their record pay about $101 each month (up $12 from the $89/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$91
2,501-5,000 Miles$88
5,001-7,500 Miles$72
7,501-10,000 Miles$92
10,000+ Miles$88

Another factor that impacts your auto insurance premiums is the amount of miles you drive annually. Those who drive less often have fewer opportunities to get into an accident, so they'll typically end up paying less for insurance. Above, you can see that Jeep Compass owners who drive between 5,000 and 7,500 miles every year pay about $72 per month for car insurance, while those who put between 7,500 and 10,000 miles on their cars pay $92.

If you happen to be one of those drivers who put very few miles on your Jeep Compass each year, it may be worth getting pay-per-mile or usage-based auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Jeep Compasses Compare to Other Vehicles?

If you're thinking about buying a new SUV and a Jeep Compass is on your shortlist, you might be wondering how it compares to other cars. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Visit the table below to see how the Jeep Compass stacks up:

Jeep Compass National Average
Liability Insurance-$81
Full Coverage Insurance$118$169
Base MSRP$24,995$46,192
Average Annual Mileage11,58511,617

With an MSRP that's a third less than the going rate for a new vehicle, the Jeep Compass is a fantastic value for any budget. The Compass has an MSRP of $24,995, which is quite a bit lower than the national average vehicle MSRP of $46,192.

Liability insurance for a Jeep Compass is, while full coverage is more than $50 cheaper monthly.

When it comes to usage, Jeep Compass owners drive about the same amount annually as the national average, with 11,617 miles a year for all vehicles compared to the Compass's 11,585 per year.

Jeep Compass Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on how much the average driver pays to insure a Jeep Compass. If you're considering buying a new Compass, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your choices.

2021 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$117
Full Coverage Avg. Premium$201
Base MSRP$23,895
Cheapest Insurance CompanyHugo - $17/mo.
Available Trims80TH EDITION, LATITUDE, LIMITED, SPORT, TRAILHAWK

It costs about $117 per month for liability or $201 for a full coverage policy for the 2021 Jeep Compass.

Hugo offered the lowest policy we found, with rates sometimes as cheap as $17 a month.

If you want to know exactly how much you can expect to pay for your Compass, get free quotes in minutes by just entering your ZIP code below.

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2020 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$129
Full Coverage Avg. Premium$210
Base MSRP$22,280
Cheapest Insurance CompanyMile Auto - $19/mo.
Available TrimsLATITUDE, LIMITED, SPORT, TRAILHAWK

The average cost to insure a 2020 Compass with liability only coverage is $129 monthly, while full coverage runs around $210 a month.

Mile Auto has premiums as cheap as just $19 monthly for the 2020 Jeep Compass.

What could your auto insurance rate look like? Enter your ZIP code below to get several personalized quotes for free.

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2019 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$176
Base MSRP$22,095
Cheapest Insurance CompanyMile Auto - $22/mo.
Available TrimsLATITUDE, LIMITED, SPORT, TRAILHAWK

On average, drivers who own a 2019 Jeep Compass can expect to pay $90 to $176 per month for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Mile Auto offered liability only coverage for sometimes as low as $22 monthly.

While these are good estimates of what the average driver might pay to insure a 2019 Jeep Compass, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$163
Base MSRP$21,095
Cheapest Insurance CompanyOhio Mutual - $21/mo.
Available TrimsLATITUDE, LIMITED, SPORT, TRAILHAWK

You can expect full coverage for a 2018 Compass to run about $163 per month, while liability only coverage will average around $88 a month.

If you're looking for the most affordable 2018 Jeep Compass insurance policy, Ohio Mutual offered the cheapest policy we found, with rates as low as $21 monthly.

Interested in what your auto insurance premium could look like? Get multiple free personalized quotes by just entering your ZIP code below.

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2017 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$99
Full Coverage Avg. Premium$171
Base MSRP$19,940
Cheapest Insurance CompanyMetLife - $28/mo.
Available TrimsLATITUDE, LIMITED, SPORT, TRAILHAWK

2017 Jeep Compass drivers can expect to pay an average of $99 per month for liability or $171 for full coverage.

With premiums as little as just $28 a month, MetLife offered the lowest policy we found for the 2017 Jeep Compass.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2016 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$155
Base MSRP$18,995
Cheapest Insurance CompanyMetroMile - $20/mo.
Available TrimsLATITUDE, LIMITED, SPORT

On average, drivers who own a 2016 Compass can expect to pay $84 to $155 monthly for liability only and full coverage insurance, respectively.

We found MetroMile offered the most affordable policy, with rates sometimes as little as $20 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$153
Base MSRP$18,995
Cheapest Insurance CompanyStateAuto - $18/mo.
Available TrimsLATITUDE, LIMITED, SPORT

You can expect full coverage for a 2015 Jeep Compass to run about $153 a month, while liability only coverage will average around $89 monthly.

With rates as cheap as $18 a month, StateAuto offered the cheapest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2014 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$157
Base MSRP$18,595
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsLATITUDE, LIMITED, NORTH, SPORT

The average cost to insure a 2014 Compass with liability only coverage is $83 per month, while full coverage runs about $157 a month.

Looking for the lowest policy? Clearcover offered liability only coverage for as little as $17 monthly.

While these are good estimates of what the average driver might pay to insure a 2014 Jeep Compass, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$161
Base MSRP$19,395
Cheapest Insurance CompanyAspire - $17/mo.
Available TrimsCOMPASS, LATITUDE, LIMITED, SPORT

2013 Jeep Compass drivers can expect to pay an average of $101 per month for liability or $161 for full coverage.

With rates sometimes as cheap as $17 a month, Aspire offered the most affordable policy we found.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get a variety of customized quotes for free.

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2012 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$139
Base MSRP$19,295
Cheapest Insurance CompanyCommonwealth Casualty - $20/mo.
Available TrimsCOMPASS, LATITUDE, LIMITED, SPORT

It costs around $79 monthly for liability or $139 for a full coverage policy for the 2012 Compass.

Commonwealth Casualty has prices as cheap as $20 per month for the 2012 Jeep Compass.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$146
Base MSRP$19,295
Cheapest Insurance CompanyMetLife - $22/mo.
Available TrimsLIMITED, SPORT

You can expect full coverage for a 2011 Jeep Compass to run about $146 a month, while liability only coverage will average around $80 monthly.

We found MetLife offered the cheapest policy, with rates as little as just $22 per month.

Want something more accurate than national averages? Get lots of customized quotes for free by just entering your ZIP code below.

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2010 Jeep Compass Car Insurance

   
Liability Only Avg. Premium$109
Full Coverage Avg. Premium$177
Base MSRP$15,365
Cheapest Insurance CompanyAnswerFinancial - $23/mo.
Available TrimsLIMITED, SPORT

On average, drivers who own a 2010 Compass can expect to pay $109 to $177 a month for liability only and full coverage car insurance, respectively.

AnswerFinancial offered the lowest policy we found, with rates as low as $23 per month.

If you want to find the best premiums for auto insurance for a 2010 Jeep Compass, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Jeep Compass Insurance FAQs

Is a Jeep Compass expensive to insure?

When compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $89 monthly, while full coverage will cost you around $159.

How can I get the best price on car insurance for my Jeep Compass?

There's only one way to ensure you're getting the cheapest rates -- checking prices regularly and comparing quotes from a range of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a multitude of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Jeep Compass affect my insurance rates?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not the case. There are multiple variables insurance companies examine when they calculate your prices, but the color of your Jeep Compass is not one of them.

Do I need to have insurance before I buy a Jeep Compass?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Jeep Compass?

You will find a bunch of different discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Compass has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance company and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.

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