Jeep Wrangler 4xe Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Jeep Wrangler 4xe are $1,950 a year for full coverage insurance. Comprehensive insurance costs around $332 each year, collision insurance costs $756, and liability is estimated at $624. Liability-only insurance costs approximately $710 a year, and high-risk driver insurance costs $4,270 or more. Teen drivers pay the most at up to $7,526 a year.

Average premium for full coverage: $1,950

Premium estimates for type of coverage:

Comprehensive $332
Collision $756
Liability $624

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Wrangler 4xe models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Jeep Wrangler 4xe range from the low end price of $710 for liability-only coverage to a high rate of $4,270 for a driver who requires high-risk insurance.

Liability Only $710
Full Coverage $1,950
High Risk $4,270

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $1,463
Small Cities $2,048
Large Cities $2,633

These rate differences illustrate why all drivers should get quotes for a specific zip code, 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.

Additional Charts and Tables

The chart below illustrates 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 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,950
  • Choosing low deductibles for comp and collision coverage will cost an additional $486 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,270
  • An auto insurance policy that insures a 16-year-old driver can be $7,526 each year

View Chart as Image

Jeep Wrangler 4xe insurance cost comparison chart
Column chart showing Jeep Wrangler 4xe insurance prices range from $1,114 to $7,526 for full coverage

Insurance prices for a Jeep Wrangler 4xe also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $2,300 to $3,300 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 131% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $7,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Jeep Wrangler 4xe insurance prices. A good driver about age 40 could pay as low as $1,270 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,630 on average in Michigan, New York, and Florida.

Jeep Wrangler 4xe Insurance Rates by State
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%

View Chart as Image

Jeep Wrangler 4xe insurance rates by U.S. city

Choosing high deductibles can save as much as $740 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit

Jeep Wrangler 4xe Insurance Rates by Model Year
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

Finding better rates on insurance for a Jeep Wrangler 4xe takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around at every other renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the concepts that were touched on above.

  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $2,320 more every year than a safer driver
  • Drivers age 16 to 20 are charged the highest prices, with premiums being up to $627 per month if comprehensive and collision insurance is included
  • It is possible to save up to $240 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $725 each year
  • It is possible to save up to $240 per year just by quoting online in advance

Rates by Driver Age

Jeep Wrangler 4xe Insurance 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

Jeep Wrangler 4xe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,436
$250 $2,208
$500 $1,950
$1,000 $1,704

Full coverage, driver age 40

Rates by Liability Limit

Jeep Wrangler 4xe Insurance Rates with Different Liability Limits
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

Jeep Wrangler 4xe Insurance 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.

SR-22 Surcharge $281

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
Rate after discounts $1,114

Discounts are estimated and may not be available from every company or in every state.

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