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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Jeep Wrangler 4xe are $1,950 annually with full coverage. Comprehensive insurance costs on average $332, collision insurance costs $756, and liability costs $624. Buying just liability costs as little as $710 a year, and insurance for high-risk drivers costs $4,270 or more. Teen drivers receive the highest rates at up to $7,526 a year.
Average premium for full coverage: $1,950
Rate estimates by individual coverage type:
Includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all Wrangler 4xe models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $710 for just the minimum liability insurance to the much higher price of $4,270 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
These examples demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, 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 details average Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,114
- Drivers who choose higher $1,000 deductibles will pay around $246 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,950
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $486 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $4,270
- The cost with full coverage for a 16-year-old driver for full coverage may cost $7,526 a year
Auto insurance rates for a Jeep Wrangler 4xe can also vary considerably based on the trim level of your Wrangler 4xe, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,800 per year on average for full coverage. Rates are highest for teen 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 like to drive fast or you caused a few accidents, you may be forking out at a minimum $2,300 to $3,300 in extra premium per year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers can cost from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $740 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $561 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Jeep Wrangler 4xe insurance prices. A 40-year-old driver could pay as low as $1,400 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
| 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 the Cheapest Jeep Wrangler 4xe Insurance
Saving money on insurance for a Jeep Wrangler 4xe not only requires being a good driver, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a recap of the primary concepts that were touched on in this article.
- You may be able to save as much as $240 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk that have major violations or accidents pay an average of $2,320 more each year than a safer driver
- Increasing deductibles could save up to $725 each year
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $627 per month if full coverage is included
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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