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 $1,950 a year including full coverage. Comprehensive costs an estimated $332, collision costs $756, and liability is $624. A policy with just liability insurance costs around $710 a year, with coverage for high-risk drivers costing around $4,270. Teenage drivers pay the highest rates at $7,526 a year or more.
Average premium for full coverage: $1,950
Price estimates broken down by individual coverage:
Includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Wrangler 4xe trim levels.
Price Range from Low to High
For the average driver, Jeep Wrangler 4xe insurance prices go from as low as $710 for a discount liability-only rate to a much higher rate of $4,270 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location impacts insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.
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 breaks down estimated Jeep Wrangler 4xe insurance rates for other coverage scenarios.
- The best discount rate is $1,114
- Raising to $1,000 deductibles will save approximately $246 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,950
- Using more expensive low deductibles will increase the cost to $2,436
- Drivers who are prone to accidents and violations could pay up to $4,270 or more
- The price for full coverage for a 16-year-old driver with full coverage can cost as much as $7,526
Insurance prices for a Jeep Wrangler 4xe are also quite variable based on your driving record, the model of your Wrangler 4xe, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may pay as low as $1,800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $7,500 a year. View Rates by Age
The state you live in also has a big influence on Jeep Wrangler 4xe insurance prices. A middle-age driver might find prices as low as $1,490 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $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% |
Using high physical damage deductibles can reduce prices by up to $740 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $561 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $2,300 to $3,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| 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 the Cheapest Jeep Wrangler 4xe Insurance
Getting lower rates on insurance for a Jeep Wrangler 4xe consists of avoiding accidents and claims, maintaining good credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a recap of the data touched on above.
- Insureds who want increased liability limits will pay an extra $690 per year to raise from a low limit to 250/500 limits
- You may be able to save approximately $240 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $725 each year
- Drivers under the age of 20 are charged the highest prices, possibly costing $627 a month for full coverage
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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