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 prices for a Jeep Wrangler 4xe are $1,950 every 12 months including full coverage. Comprehensive insurance costs approximately $332, collision insurance costs $756, and liability insurance costs around $624. A policy with just liability insurance costs as low as $710 a year, and coverage for high-risk drivers costs $4,270 or more. Teens pay the highest rates at up to $7,526 a year.
Average premium for full coverage: $1,950
Price estimates by individual coverage:
Includes $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Wrangler 4xe trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Jeep Wrangler 4xe insurance prices range from the cheapest price of $710 for minimum levels of liability insurance to a much higher rate of $4,270 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, 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 Rate Details
The chart below breaks down average Jeep Wrangler 4xe insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,114
- Using higher $1,000 deductibles will save $246 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,950
- Selecting more expensive low deductibles for physical damage coverage costs an extra $486 a year
- Drivers with serious driving violations could pay around $4,270
- The price to insure a teen driver with full coverage can cost $7,526 or more
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Wrangler 4xe.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $740 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $561 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $7,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,300 to $3,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Jeep Wrangler 4xe insurance rates. A driver around age 40 might see prices as low as $1,490 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,780 on average in Louisiana, New York, and Michigan.
| 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 the Cheapest Jeep Wrangler 4xe Insurance
Getting lower rates on Jeep Wrangler 4xe insurance requires having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a recap of the data that was raised in the charts and tables above.
- You may be able to save around $240 per year just by shopping early and online
- Drivers who purchase increased levels of liability coverage will pay approximately $690 per year to increase from a low limit to a 250/500 level
- Drivers age 20 and younger are expensive to insure, possibly costing $627 a month if they have full coverage
- High-risk drivers that have major violations or accidents could be charged and average of $2,320 more per year to buy Jeep Wrangler 4xe insurance
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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