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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The average insurance prices for a Jeep Wrangler 4xe are $1,950 every 12 months including full coverage. Comprehensive costs approximately $332 each year, collision insurance costs $756, and liability costs around $624. Liability-only insurance costs as low as $710 a year, and high-risk driver insurance 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 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 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 liability-only coverage to a high rate of $4,270 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why all drivers should compare prices 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.
Additional Charts and Tables
The chart below breaks down average Jeep Wrangler 4xe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,114
- Using higher $1,000 deductibles will save $246 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,950
- Buying low deductibles for physical damage coverage increases the price to $2,436
- High-risk insureds with multiple tickets or accidents could pay around $4,270
- Policy cost to insure a 16-year-old driver can cost $7,526 or more
Auto insurance rates for a Jeep Wrangler 4xe also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Wrangler 4xe.
Opting for high physical damage deductibles could cut rates by as much as $740 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $561 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,800 a year, or $150 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have 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 are likely paying anywhere from $2,300 to $3,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Jeep Wrangler 4xe insurance prices. A driver around age 40 might see rates as low as $1,490 a year in states like Vermont, New Hampshire, and Missouri, or 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 Affordable Jeep Wrangler 4xe Insurance
Finding cheaper rates on insurance for a Jeep Wrangler 4xe requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a brief review of the data raised in the charts and tables above.
- Insureds who purchase an increased level of liability coverage will pay around $690 per year to increase from a 30/60 limit to a 250/500 level
- You may be able to save around $240 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $627 each month if comprehensive and collision insurance is included
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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