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Alani Asis is a personal finance and insurance writer who’s worked with Compare.com since 2023. She’s also landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more.
Alani aims to make personal finance approachable through fun, relatable, and digestible content.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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The Compass is a reliable choice for daily commuters. And as a Jeep, it’s tough enough to handle uneven terrain. But fortunately, you don’t need to pay mountain-high car insurance prices for your Compass.
The average Jeep Compass driver pays $143 per month for car insurance, according to Compare.com data. And even though that’s less than the average vehicle, companies like Novo and Travelers offer policies for even lower prices.
Here’s everything you need to know about insuring your Compass, including average costs, the cheapest companies, and how to save.
Jeep Compass insurance costs an average of $101 per month for liability-only coverage and $185 per month for full coverage.
Novo’s average rates for the Compass are the cheapest in the industry, at just $64 per month.
The Compass’ smaller size, cheap parts, and strong safety record[1] are just a few factors that keep the model’s insurance rates affordable.
What you pay to insure your Jeep Compass largely depends on the type of policy you choose.
Liability-only insurance is the most basic coverage you can buy in most U.S. states. It covers property damage and injuries to others if you’re at fault in an accident. But it won’t pay for any damage to your vehicle.
Full-coverage insurance includes liability protection, as well as coverage for your car. It comes in two parts. Collision coverage pays for vehicle repairs or replacement if you hit another vehicle or object. Comprehensive insurance covers damage from things like theft, vandalism, or other non-collision incidents.
The table below highlights the average monthly rates for Compass insurance, categorized by policy type, along with a comparison to the industry average for all cars.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Jeep Compass | $101 | $185 | $143 |
| All vehicles | $108 | $193 | $150 |
The average monthly cost for liability-only insurance is just $101 for a Compass. Full coverage runs a bit more, at $185 per month, but it’s still less than what most drivers pay.
But these figures represent relatively broad averages. The exact amount you can expect to pay depends on several factors, including your age, state, driving record, insurance background, and more.
Compare personalized quotes for your Compass from several top companies.
Jeep Compass average insurance rates are already cheaper than the average, but you can save more by choosing a budget-friendly insurer.
Let’s take a look at which companies offer the cheapest car insurance for a Jeep Compass, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $64 |
| Travelers | $78 |
| Mile Auto | $78 |
| Certainly | $83 |
| SafeAuto | $84 |
The cheapest car insurance company for a Jeep Compass is Novo, with average rates at just $64 per month. Keep in mind, though, that your personal rates can vary.
Next, we’ll break down the best insurance companies for Jeep Compass drivers.
The best auto insurance company won’t be the same for everyone. Consider your needs and budget when comparing your options. And don’t forget about customer and claims satisfaction scores when choosing an insurer.
We’ve rounded up a few companies to kickstart your search. We based these picks on factors like average rates, available discounts, customer ratings, and coverage options.
Here are our choices for the best car insurance companies if you drive a Jeep Compass.
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $185/mo |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
The Jeep Compass is a versatile choice for many drivers. Travelers matches that versatility with several policy customization options. For example, you can select from plenty of add-on coverages, including accident forgiveness, gap insurance, and new car replacement.
Plus, you can save through its wide range of discounts, including those for students, bundling policies, and safe driving.
Many available discounts
Multiple available coverages
Affordable rates for the Compass
Lower-than-average claims satisfaction scores[2]
Telematics program could raise rates
Must call to complete quote
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $112/mo |
Mile Auto is a smart choice if you don’t drive your Compass often. With this pay-per-mile insurer, drivers who log fewer than 10,000 miles per year can save significantly compared to traditional car insurance.
In fact, Mile Auto offers some of the most affordable rates for Jeep Compass owners, based on our research. While its coverage options are minimal, you can add rental car reimbursement and roadside assistance for extra protection.
Low premiums for Compass drivers
Offers rental coverage and roadside assistance
Simple odometer-based tracking
No available discounts
Limited coverage options
Available in just seven states
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $170/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
If you plan on personalizing your Compass with mods and other upgrades, Progressive may be a good fit. Its custom parts and equipment (CPE) coverage insures aftermarket additions up to $5,000, which is something that standard policies don’t offer.
Progressive also offers plenty of coverage options, including rental car, roadside assistance, and gap insurance. And if you’re a low-mileage driver, you can also take advantage of its usage-based insurance program, Snapshot, to save based on how safely you drive.
Offers coverage for modified Jeeps
Many available discounts
Available in all 50 states and Canada
Low claims satisfaction ratings
Not the cheapest option for Compass drivers
Below-average customer satisfaction[3]
Generally, older vehicles cost less to insure because they’re worth less. That means your insurer would pay less to replace an older car if you total it, which leads to lower premiums.
In contrast, newer models tend to have higher market values, more complex technology, and more expensive parts, which can lead to higher insurance rates.
Here’s what your monthly insurance premiums might look like based on your Compass’ model year.
Compass Model Year | Average Monthly Premium |
|---|---|
| 2025 | $177 |
| 2024 | $158 |
| 2023 | $164 |
| 2022 | $156 |
| 2021 | $161 |
| 2020 | $153 |
| 2019 | $146 |
| 2018 | $140 |
| 2017 | $134 |
| 2016 | $135 |
| 2015 | $126 |
| 2014 | $131 |
| 2013 | $123 |
| 2012 | $131 |
Insurance companies also look at location-specific risk factors to calculate rates. For example, if you live in a populated urban area with high accident and traffic rates, you’ll likely pay more for coverage than someone in a more rural area.[4]
Check out the map below to see average Jeep Compass insurance rates in your state.
State | Average Monthly Premium |
|---|---|
| Alabama | $84 |
| Arizona | $113 |
| Arkansas | $161 |
| California | $162 |
| Colorado | $132 |
| Connecticut | $256 |
| Delaware | $156 |
| Florida | $165 |
| Georgia | $167 |
| Idaho | $85 |
| Illinois | $105 |
| Indiana | $91 |
| Iowa | $76 |
| Kansas | $103 |
| Kentucky | $165 |
| Louisiana | $152 |
| Maine | $100 |
| Maryland | $232 |
| Massachusetts | $127 |
| Michigan | $197 |
| Minnesota | $127 |
| Mississippi | $127 |
| Missouri | $123 |
| Montana | $102 |
| Nebraska | $118 |
| Nevada | $201 |
| New Hampshire | $77 |
| New Jersey | $134 |
| New Mexico | $97 |
| New York | $324 |
| North Carolina | $63 |
| North Dakota | $97 |
| Ohio | $86 |
| Oklahoma | $109 |
| Oregon | $108 |
| Pennsylvania | $110 |
| Rhode Island | $97 |
| South Carolina | $185 |
| South Dakota | $81 |
| Tennessee | $95 |
| Texas | $150 |
| Utah | $123 |
| Vermont | $92 |
| Virginia | $122 |
| Washington | $94 |
| Washington D.C. | $192 |
| West Virginia | $97 |
| Wisconsin | $86 |
| Wyoming | $81 |
Age is one of the most important factors that insurers consider when calculating your rates.
Teenagers often see higher rates than adult drivers because they’re more likely to cause accidents. In fact, the Insurance Institute for Highway Safety reports that teens are four times more likely to get into crashes than drivers age 20 and older.[5] That increased risk leads to higher premiums.
But the good news is that rates start to drop in your 20s and continue to decrease until your senior years.
Here’s how rates vary for the Compass based on age, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $269 |
| Adults | $131 |
| Seniors | $110 |
Teens pay a whole lot more to insure a Jeep Compass than older drivers. In fact, someone in their 40s pays less than half of what the average teen Compass driver pays.
Insurance companies also review your driving record to assess how risky a driver you are. Reckless driving habits increase the likelihood of accidents. So if you have moving violations such as speeding, at-fault accidents, or driving under the influence (DUI), you can expect higher insurance rates.
Let’s compare the average monthly premiums of Compass car insurance based on your driving record.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $143 |
| Speeding ticket | $198 |
| At-fault accident | $207 |
| DUI | $235 |
If you get a speeding ticket in your Jeep Compass, you can expect car insurance rates to increase by around 38%. An at-fault accident increases it even more.
But a DUI has the sharpest increase of any incident — a staggering 65%, based on our research.
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A Jeep Compass with fancy technology or higher-end trim levels typically costs more to replace, which can lead to increased premiums. On the flip side, advanced safety or anti-theft features help lower your rates by reducing risk on the road.
Here are the unique features of your Jeep Compass and how they might affect your premiums:
Safety features: The standard Compass includes airbags, forward collision warning, active emergency braking, blind-spot monitoring, and lane-departure sensors.[6] These technologies lower the risk of accidents and can often qualify you for discounts.
Trim levels: Premium trim levels for the Compass include heated leather seats, premium audio systems, and panoramic sunroofs. These luxury upgrades increase replacement costs, which can raise your insurance premiums.
4x4 drivetrain: The Compass’ 4x4 capability enhances off-road and all-weather performance, but the added complexity can result in higher repair costs and potentially higher insurance premiums.
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Jeep Compass insurance rates are slightly cheaper than the national average, but the savings don’t need to stop there. If you’re looking to save even more, consider the following tips:
Bundle your policies. Combining your auto insurance with home or renters insurance can lead to larger overall savings. Some insurers even offer up to 25% off both policies.
Ask about discounts. Specific car insurance discounts vary by company. Take advantage of common discounts, such as anti-theft, multi-car, or telematics, to increase your policy savings.
Choose a basic trim level. Jeep Compasses come in multiple trim levels and option packages. Trims like the Limited come with luxury features including heated seats, dual-zone climate control, and adaptive cruise control. These features can increase repair costs, so opting for a basic or mid-level trim, such as the Sport, can help you save on insurance costs.
Shop around. Insurance rates are always changing, and rate increases have been higher than ever over the past several years. For that reason, it’s smart to compare quotes at least once per year to ensure you’re still getting the most competitive price on the coverage you need.
Getting the right insurance for your Jeep Compass comes down to your needs and financial situation. Here’s more information about what you need to know about insuring your Compass.
Not really. The cost to insure a Jeep Compass is slightly below the national average, at $143 per month, according to Compare.com data.
The cheapest car insurance company for a Jeep Compass is Novo. Its average rate is just $64 per month, according to Compare.com data.
Car insurance for a 2025 Jeep Compass costs an average of $177 per month, according to Compare.com data.
The cheapest Jeep model to insure is the Cherokee, with an average rate of $140 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Alani Asis is a personal finance and insurance writer who’s worked with Compare.com since 2023. She’s also landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more.
Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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