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...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Jeep Wrangler 4xe are $1,954 a year for full coverage insurance. Comprehensive costs an estimated $344, collision costs $774, and liability insurance is $598. A policy with just liability insurance costs around $688 a year, with coverage for high-risk drivers costing around $4,272. 16-year-old drivers pay the highest rates at $7,494 a year or more.
Average premium for full coverage: $1,954
Price estimates broken down by individual coverage:
Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Wrangler 4xe trim levels.
Price Range from Low to High
For the average 40-year-old driver, Jeep Wrangler 4xe insurance prices go from as low as $688 for a discount liability-only rate to a much higher rate of $4,272 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area 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.
Rates by State, City, and Model
The chart below illustrates estimated Jeep Wrangler 4xe insurance rates for other coverage scenarios.
- The best full coverage rate is $1,117
- Raising to $1,000 deductibles will save approximately $252 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,954
- Buying more expensive low deductibles will increase the cost to $2,454
- Higher-risk drivers with multiple tickets or accidents could pay up to $4,272 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $7,494
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,800 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $7,400 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 $1,280 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,768 | -$186 | -9.5% |
| Alaska | $1,498 | -$456 | -23.3% |
| Arizona | $1,620 | -$334 | -17.1% |
| Arkansas | $1,954 | -$0 | 0.0% |
| California | $2,228 | $274 | 14.0% |
| Colorado | $1,866 | -$88 | -4.5% |
| Connecticut | $2,008 | $54 | 2.8% |
| Delaware | $2,212 | $258 | 13.2% |
| Florida | $2,444 | $490 | 25.1% |
| Georgia | $1,806 | -$148 | -7.6% |
| Hawaii | $1,404 | -$550 | -28.1% |
| Idaho | $1,326 | -$628 | -32.1% |
| Illinois | $1,458 | -$496 | -25.4% |
| Indiana | $1,474 | -$480 | -24.6% |
| Iowa | $1,320 | -$634 | -32.4% |
| Kansas | $1,856 | -$98 | -5.0% |
| Kentucky | $2,666 | $712 | 36.4% |
| Louisiana | $2,896 | $942 | 48.2% |
| Maine | $1,206 | -$748 | -38.3% |
| Maryland | $1,612 | -$342 | -17.5% |
| Massachusetts | $1,562 | -$392 | -20.1% |
| Michigan | $3,392 | $1,438 | 73.6% |
| Minnesota | $1,636 | -$318 | -16.3% |
| Mississippi | $2,340 | $386 | 19.8% |
| Missouri | $1,736 | -$218 | -11.2% |
| Montana | $2,100 | $146 | 7.5% |
| Nebraska | $1,542 | -$412 | -21.1% |
| Nevada | $2,340 | $386 | 19.8% |
| New Hampshire | $1,406 | -$548 | -28.0% |
| New Jersey | $2,184 | $230 | 11.8% |
| New Mexico | $1,732 | -$222 | -11.4% |
| New York | $2,060 | $106 | 5.4% |
| North Carolina | $1,126 | -$828 | -42.4% |
| North Dakota | $1,600 | -$354 | -18.1% |
| Ohio | $1,348 | -$606 | -31.0% |
| Oklahoma | $2,006 | $52 | 2.7% |
| Oregon | $1,792 | -$162 | -8.3% |
| Pennsylvania | $1,864 | -$90 | -4.6% |
| Rhode Island | $2,608 | $654 | 33.5% |
| South Carolina | $1,772 | -$182 | -9.3% |
| South Dakota | $1,650 | -$304 | -15.6% |
| Tennessee | $1,712 | -$242 | -12.4% |
| Texas | $2,352 | $398 | 20.4% |
| Utah | $1,444 | -$510 | -26.1% |
| Vermont | $1,338 | -$616 | -31.5% |
| Virginia | $1,170 | -$784 | -40.1% |
| Washington | $1,510 | -$444 | -22.7% |
| West Virginia | $1,792 | -$162 | -8.3% |
| Wisconsin | $1,354 | -$600 | -30.7% |
| Wyoming | $1,740 | -$214 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $760 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $2,300 to $3,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jeep Wrangler 4xe | $358 | $780 | $584 | $1,960 |
| 2023 Jeep Wrangler 4xe | $344 | $774 | $598 | $1,954 |
| 2022 Jeep Wrangler 4xe | $332 | $756 | $624 | $1,950 |
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 More Affordable Jeep Wrangler 4xe Insurance
Getting lower rates on Jeep Wrangler 4xe insurance consists of having a good driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the ideas that were touched on in this article.
- Drivers age 20 and younger are charged the highest prices, as much as $625 a month for full coverage
- High-risk drivers who have multiple accidents or major violations pay on average $2,320 more annually to buy Jeep Wrangler 4xe insurance
- Increasing physical damage deductibles can save around $750 each year
- It is possible to save approximately $240 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,494 |
| 20 | $4,590 |
| 30 | $2,032 |
| 40 | $1,954 |
| 50 | $1,792 |
| 60 | $1,760 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,454 |
| $250 | $2,220 |
| $500 | $1,954 |
| $1,000 | $1,702 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,954 |
| 50/100 | $2,074 |
| 100/300 | $2,223 |
| 250/500 | $2,612 |
| 100 CSL | $2,133 |
| 300 CSL | $2,462 |
| 500 CSL | $2,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,686 |
| 20 | $7,312 |
| 30 | $4,356 |
| 40 | $4,272 |
| 50 | $4,082 |
| 60 | $4,048 |
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 | $105 |
| Homeowner | $29 |
| 5-yr Accident Free | $147 |
| 5-yr Claim Free | $127 |
| Paid in Full/EFT | $90 |
| Advance Quote | $99 |
| Online Quote | $137 |
| Total Discounts | $837 |
Discounts are estimated and may not be available from every company or in every state.
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