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 insurance rates for a Jeep Wrangler 4xe are $1,950 a year including full coverage. Comprehensive costs on average $332 each year, collision costs $756, and liability insurance is $624. Liability-only insurance costs around $710 a year, with high-risk driver insurance costing around $4,270. Teens pay the highest rates at $7,526 a year or more.
Average premium for full coverage: $1,950
Price estimates by individual coverage:
These estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Wrangler 4xe models.
Price Range from Low to High
For a driver around age 40, Jeep Wrangler 4xe insurance prices go from the low end price of $710 for liability-only coverage to a high rate of $4,270 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location, rather than relying on 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 Charts and Tables
The chart below breaks down estimated Jeep Wrangler 4xe insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,114
- Raising to $1,000 deductibles will save around $246 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,950
- Selecting low deductibles bumps up the cost to $2,436
- Higher-risk drivers with serious driving violations could pay upwards of $4,270 or more
- The price that insures a teen driver may cost $7,526
Car insurance prices for a Jeep Wrangler 4xe are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $2,300 to $3,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $7,500 a year. View Rates by Age
The state you live in also has a big influence on Jeep Wrangler 4xe insurance rates. A middle-age driver might find prices as low as $1,490 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,780 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $740 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $561 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different.
| 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 Cheap Jeep Wrangler 4xe Insurance
Getting lower rates on Jeep Wrangler 4xe insurance consists of having a good driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a brief summary of the material that was covered above.
- Drivers who require increased levels of liability coverage will pay approximately $690 per year to raise from a low limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, possibly costing $627 a month if full coverage is purchased
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $2,320 more each year to buy Jeep Wrangler 4xe insurance
- Increasing physical damage deductibles can save approximately $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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