Jeep Wrangler 4xe Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Jeep Wrangler 4xe are $1,950 annually with full coverage. Comprehensive insurance costs around $332, collision costs $756, and liability coverage costs $624. Liability-only coverage costs as little as $710 a year, with high-risk coverage costing $4,270 or more. Teens cost the most to insure at $7,526 a year or more.
Average premium for full coverage: $1,950
Policy rates for type of insurance:
Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Wrangler 4xe trim levels.
Price Range Variability
For an average driver, Jeep Wrangler 4xe insurance rates go from as cheap as $710 for the bare minimum liability coverage to a much higher rate of $4,270 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.
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 Information
The chart below details estimated Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,114
- Drivers who choose higher $1,000 deductibles will pay about $246 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,950
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $486 each year
- High-risk insureds with serious driving violations could pay at least $4,270 or more
- Policy cost with full coverage for a teenage driver with full coverage can be $7,526 a year
Insurance rates for a Jeep Wrangler 4xe also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,800 per year on average, or $150 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $7,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $2,300 to $3,300 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $740 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $561 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Jeep Wrangler 4xe insurance rates. A 40-year-old driver could pay as low as $1,400 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,630 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,762 | -$188 | -9.6% |
| Alaska | $1,494 | -$456 | -23.4% |
| Arizona | $1,616 | -$334 | -17.1% |
| Arkansas | $1,950 | -$0 | 0.0% |
| California | $2,226 | $276 | 14.2% |
| Colorado | $1,864 | -$86 | -4.4% |
| Connecticut | $2,004 | $54 | 2.8% |
| Delaware | $2,206 | $256 | 13.1% |
| Florida | $2,438 | $488 | 25.0% |
| Georgia | $1,802 | -$148 | -7.6% |
| Hawaii | $1,398 | -$552 | -28.3% |
| Idaho | $1,322 | -$628 | -32.2% |
| Illinois | $1,456 | -$494 | -25.3% |
| Indiana | $1,470 | -$480 | -24.6% |
| Iowa | $1,318 | -$632 | -32.4% |
| Kansas | $1,852 | -$98 | -5.0% |
| Kentucky | $2,660 | $710 | 36.4% |
| Louisiana | $2,888 | $938 | 48.1% |
| Maine | $1,206 | -$744 | -38.2% |
| Maryland | $1,610 | -$340 | -17.4% |
| Massachusetts | $1,558 | -$392 | -20.1% |
| Michigan | $3,386 | $1,436 | 73.6% |
| Minnesota | $1,632 | -$318 | -16.3% |
| Mississippi | $2,334 | $384 | 19.7% |
| Missouri | $1,732 | -$218 | -11.2% |
| Montana | $2,096 | $146 | 7.5% |
| Nebraska | $1,538 | -$412 | -21.1% |
| Nevada | $2,336 | $386 | 19.8% |
| New Hampshire | $1,404 | -$546 | -28.0% |
| New Jersey | $2,180 | $230 | 11.8% |
| New Mexico | $1,728 | -$222 | -11.4% |
| New York | $2,056 | $106 | 5.4% |
| North Carolina | $1,124 | -$826 | -42.4% |
| North Dakota | $1,594 | -$356 | -18.3% |
| Ohio | $1,346 | -$604 | -31.0% |
| Oklahoma | $2,002 | $52 | 2.7% |
| Oregon | $1,786 | -$164 | -8.4% |
| Pennsylvania | $1,862 | -$88 | -4.5% |
| Rhode Island | $2,602 | $652 | 33.4% |
| South Carolina | $1,768 | -$182 | -9.3% |
| South Dakota | $1,646 | -$304 | -15.6% |
| Tennessee | $1,708 | -$242 | -12.4% |
| Texas | $2,348 | $398 | 20.4% |
| Utah | $1,444 | -$506 | -25.9% |
| Vermont | $1,334 | -$616 | -31.6% |
| Virginia | $1,168 | -$782 | -40.1% |
| Washington | $1,506 | -$444 | -22.8% |
| West Virginia | $1,786 | -$164 | -8.4% |
| Wisconsin | $1,350 | -$600 | -30.8% |
| Wyoming | $1,736 | -$214 | -11.0% |
Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every company calculates rates differently, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wrangler 4xe | $344 | $774 | $598 | $1,954 |
| 2023 Jeep Wrangler 4xe | $332 | $756 | $624 | $1,950 |
| 2022 Jeep Wrangler 4xe | $320 | $724 | $644 | $1,926 |
Rates are averaged for all Jeep Wrangler 4xe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Jeep Wrangler 4xe Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a summary of the material that was covered in the above illustrations.
- Consumers who may need higher liability limits will pay approximately $690 every year to go from a 30/60 limit to higher 250/500 limits
- Teens are charged the highest rates, as much as $627 each month if they have full coverage
- Drivers who have multiple accidents or major violations may pay on average $2,320 more every year for Wrangler 4xe insurance
- Increasing comprehensive and collision deductibles could save up to $725 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,526 |
| 20 | $4,582 |
| 30 | $2,026 |
| 40 | $1,950 |
| 50 | $1,788 |
| 60 | $1,756 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,436 |
| $250 | $2,208 |
| $500 | $1,950 |
| $1,000 | $1,704 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,950 |
| 50/100 | $2,075 |
| 100/300 | $2,231 |
| 250/500 | $2,636 |
| 100 CSL | $2,137 |
| 300 CSL | $2,480 |
| 500 CSL | $2,730 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,728 |
| 20 | $7,308 |
| 30 | $4,348 |
| 40 | $4,270 |
| 50 | $4,080 |
| 60 | $4,046 |
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 | $103 |
| Multi-vehicle | $106 |
| Homeowner | $30 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $127 |
| Paid in Full/EFT | $89 |
| Advance Quote | $98 |
| Online Quote | $137 |
| Total Discounts | $836 |
Discounts are estimated and may not be available from every company or in every state.
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