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 auto insurance rates for a Jeep Wrangler 4xe are $1,950 annually for full coverage insurance. Comprehensive insurance costs around $332, collision costs $756, and liability insurance costs around $624. Liability-only coverage costs as low as $710 a year, with high-risk coverage costing $4,270 or more. 16-year-old drivers pay the most at $7,526 a year or more.
Average premium for full coverage: $1,950
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Wrangler 4xe trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Jeep Wrangler 4xe go from as cheap as $710 for the bare minimum liability coverage to a much higher rate of $4,270 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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.
Additional Rate Information
The chart below illustrates estimated Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,114
- Using higher $1,000 deductibles will save about $246 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,950
- Buying more expensive low deductibles for physical damage coverage costs an additional $486 a year
- Drivers with multiple tickets or accidents could pay at least $4,270 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can be $7,526 or more
Insurance prices for a Jeep Wrangler 4xe also have a wide range based on the model of your Wrangler 4xe, your risk profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,800 a year, or $150 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $7,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $2,300 to $3,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 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 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $561 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Jeep Wrangler 4xe insurance rates. A driver around age 40 might see prices 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% |
With such a large range in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices will be substantially 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 Low Cost Jeep Wrangler 4xe Insurance
Finding better rates on Jeep Wrangler 4xe insurance requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.
The following list is a review of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who have several accidents or serious violations pay on average $2,320 more every year than a safer driver
- It is possible to save up to $240 per year simply by shopping early and online
- Increasing policy deductibles could save up to $725 each year
- Drivers who may need an increased level of liability coverage will pay around $690 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
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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