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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The average insurance prices for a Jeep Wrangler 4xe are $1,950 every 12 months for full coverage. Comprehensive costs around $332, collision insurance costs $756, and liability is estimated at $624. Buying just liability costs approximately $710 a year, and insurance for high-risk drivers costs around $4,270. Teen drivers cost the most to insure at up to $7,526 a year.
Average premium for full coverage: $1,950
Policy rates for type of insurance:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Wrangler 4xe models.
Price Range Variability
Using a 40-year-old driver as an example, Jeep Wrangler 4xe insurance rates range from the cheapest price of $710 for your basic liability-only policy to the much higher price of $4,270 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on price 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.
More Rate Information
The chart below shows average Jeep Wrangler 4xe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,114
- Choosing higher $1,000 deductibles can save about $246 a year
- The average price for a good driver age 40 using $500 deductibles is $1,950
- Choosing pricier low deductibles for comp and collision coverage increases the price to $2,436
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,270
- Policy cost to insure a 16-year-old driver for full coverage can be $7,526 each year
Insurance rates for a Jeep Wrangler 4xe also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $740 annually, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $561 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $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 could be paying at least $2,300 to $3,300 extra every year, depending on your age. Jeep Wrangler 4xe insurance for high-risk drivers ranges from 44% to 131% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Jeep Wrangler 4xe insurance prices. A good driver about age 40 could pay as low as $1,290 a year in states like Idaho, Maine, and Iowa, or as much as $2,780 on average in Michigan, Louisiana, and New York.
| 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 Cheap Jeep Wrangler 4xe Insurance
Finding cheaper rates on insurance for a Jeep Wrangler 4xe takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.
Below you'll find a brief summary of the information raised in the charts and tables above.
- Drivers can save up to $240 per year just by quoting online well ahead of the renewal date
- Youthful drivers pay higher rates, costing up to $627 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,320 more every year than a low-risk driver
- Insureds who may need more liability protection will pay about $690 each year to raise limits from a 30/60 limit to a 250/500 level
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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