Jeep Wrangler 4xe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Jeep Wrangler 4xe are $1,950 annually for full coverage. Comprehensive costs on average $332 a year, collision costs $756, and liability coverage costs around $624. Liability-only coverage costs as low as $710 a year, with high-risk coverage costing around $4,270. 16-year-old drivers pay the highest rates at $7,526 a year or more.
Average premium for full coverage: $1,950
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Wrangler 4xe trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Wrangler 4xe insurance prices go from as cheap as $710 for just liability insurance to a high of $4,270 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have fewer accident claims than congested cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above show why it is important to compare prices based on a specific location and their own personal driving habits, rather than using rate 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.
More Rate Details
The chart below shows estimated Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,114
- Using higher $1,000 deductibles will save around $1,704 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,950
- Buying low $100 deductibles for physical damage coverage will cost $2,436
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $4,270 or more
- The price with full coverage for a teenage driver may cost $7,526 or more
Auto insurance prices for a Jeep Wrangler 4xe are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,800 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $7,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,300 to $3,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $740 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $561 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Jeep Wrangler 4xe insurance rates. A driver around age 40 might see prices as low as $1,290 a year in states like Idaho, Maine, and Iowa, or at least $2,780 on average in Michigan, Louisiana, 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% |
Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted prices may be quite different 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
Getting lower rates on auto insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below you'll find a summary of the material that was raised in the charts and tables above.
- Consumers who require more liability protection will pay around $690 each year to increase from a low limit to higher 250/500 limits
- Youthful drivers are charged the highest prices, with premiums as much as $627 a month if full coverage is included
- Drivers who have multiple accidents or major violations may be required to pay an average of $2,320 more each year than a low-risk driver
- Increasing physical damage 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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