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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The average insurance prices for a Jeep Wrangler 4xe are $1,950 every 12 months with full coverage. Comprehensive costs approximately $332, collision insurance costs $756, and liability is $624. Liability-only coverage costs around $710 a year, and high-risk coverage costs around $4,270. 16-year-old drivers cost the most to insure at up to $7,526 a year.
Average premium for full coverage: $1,950
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Wrangler 4xe models.
Price Range Variability
For a 40-year-old driver, Jeep Wrangler 4xe insurance rates range from the cheapest price of $710 for just liability coverage to the much higher price of $4,270 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how your location can change auto insurance prices.
The examples above demonstrate why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based 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 details average Jeep Wrangler 4xe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,114
- Raising to $1,000 deductibles will save $246 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,950
- Buying pricier low deductibles increases the price to $2,436
- Drivers with multiple tickets or accidents could pay around $4,270
- Policy cost to insure a 16-year-old driver for full coverage can cost $7,526
Insurance rates for a Jeep Wrangler 4xe also range considerably based on liability limits and deductibles, your driving record, and the model of your Wrangler 4xe.
Opting for high physical damage deductibles can reduce rates by up to $740 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $561 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,800 every 12 months on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $7,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $2,300 to $3,300 additional every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers is expensive and can cost from 44% to 131% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Jeep Wrangler 4xe insurance prices. A middle-age driver might find rates as low as $1,400 a year in states like Utah, Ohio, and New Hampshire, or at least $2,630 on average in New York, Michigan, 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% |
| 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 Shop for Affordable Jeep Wrangler 4xe Insurance
Finding cheaper rates on insurance for a Jeep Wrangler 4xe consists of having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following items are a brief review of the material that was illustrated above.
- Insureds who purchase additional liability coverage will pay around $690 every year to raise from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, as much as $627 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,320 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $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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