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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Estimated insurance rates for a Jeep Wrangler 4xe are $1,950 a year for full coverage insurance. Comprehensive costs on average $332, collision costs $756, and liability insurance is estimated at $624. A policy with only liability insurance costs approximately $710 a year, with a high-risk policy costing around $4,270. 16-year-old drivers pay the most at $7,526 a year or more.
Average premium for full coverage: $1,950
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Wrangler 4xe models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Jeep Wrangler 4xe go from as low as $710 for just liability coverage to the much higher price of $4,270 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why everyone should get quotes based on a specific location and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below illustrates estimated Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,114
- Choosing higher $1,000 deductibles can save around $246 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,950
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,436
- High-risk insureds with multiple tickets or accidents could pay upwards of $4,270 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $7,526 each year
Car insurance prices for a Jeep Wrangler 4xe also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,800 annually on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $7,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Jeep Wrangler 4xe insurance rates. A good driver about age 40 could pay as low as $1,270 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,630 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $740 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $561 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $2,300 to $3,300 extra annually, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers ranges anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| 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 Find Affordable Jeep Wrangler 4xe Insurance
Finding better rates on Jeep Wrangler 4xe insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a brief review of the material that was presented in the illustrations above.
- Drivers who require more liability coverage will pay around $690 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- Teen drivers are expensive to insure, with premiums being up to $627 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions pay an average of $2,320 more each year to insure their Wrangler 4xe
- Increasing policy deductibles can save around $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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